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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

5Point Credit Union vs America First Credit Union

5Point Credit Union 4.8★ · Free to download 65
Winner America First Credit Union
America First Credit Union 4.8★ · Free to download · ⚠ stale 70

America First Credit Union has a slight edge due to its broader feature set and generally positive user experience, despite some significant reliability issues, while 5Point Credit Union struggles with consistent app functionality.

Full reviews: 5Point Credit Union · America First Credit Union

America First Credit Union's app offers a wider range of features and is generally well-regarded for its ease of use, though it faces frequent maintenance and login problems. 5Point Credit Union's app is praised for its simplicity but is plagued by issues with mobile check deposits and overall reliability.

Head to head

Features edge: America First Credit UnionR14R15R18R28
5Point Credit Union 5Point Credit Union's app provides essential banking functions like checking balances, transferring money, and mobile deposits, with some users praising its comprehensiveness R45. However, other users find it 'very plain' with limited options, noting the inability to edit bill payments, view credit card transaction history, or see linked accounts with custom names R28R15R18. There are also requests for features like Zelle Pay options and a virtual teller R14.
America First Credit Union America First Credit Union's app offers a good range of in-app options and card controls, with users appreciating its ability to track spending and manage finances . It includes mobile check deposit and Zelle Pay, but some users report issues with these features, such as checks not being read or the Zelle button being out of view on smaller screens . Users also desire better transaction search functionality and the ability to transfer funds within accounts more easily .
Ease of Use tieR1R2R4R13
5Point Credit Union Many 5Point Credit Union users find the app easy to navigate, user-friendly, and simple to manipulate R2R14. However, some describe the design as 'awful' and 'a total mess,' leading to error messages when making changes R1. There are also complaints about slow loading times, especially for Bill Pay R4R13.
America First Credit Union America First Credit Union's app is frequently praised for being easy to navigate and user-friendly by many members . However, a significant number of users find it 'difficult to navigate' and 'not user friendly,' with a 'horrible interface' R70. Some report issues with features being out of view on certain phone models .
Reliability tieR4R7R9R10
5Point Credit Union 5Point Credit Union's app has significant reliability issues. Users report the app not opening R7, not allowing logins , constant application errors , and being 'not reliable at all' . Mobile check deposits are a frequent point of failure, with checks not showing up, the section glitching, or pictures being refused R9R10R19R24. Some users also note slow loading times and deposits not showing immediately R4R13.
America First Credit Union America First Credit Union's app is frequently criticized for its unreliability. Users report constant maintenance that makes the app unusable , login issues with Face ID failing or requiring frequent password resets R63R70, and slow loading or non-functional features . Some users also mention issues with card denials and incorrect balances .
Price/Value tieR5R42R45R58
5Point Credit Union Both apps are free to download. 5Point Credit Union users express high satisfaction with the overall banking experience and services, calling it 'one of the best decisions' R5 and praising the convenience of the app for managing finances R42R45R58.
America First Credit Union Both apps are free to download. America First Credit Union members express strong loyalty and satisfaction with the credit union's services, often spanning decades . Users appreciate the app's role in helping them manage finances and save money .
Support edge: 5Point Credit UnionR10R22R32R33
5Point Credit Union 5Point Credit Union receives high praise for its customer service, with users describing staff as friendly, helpful, kind, and accommodating R10R32R33. However, one user reported that customer service did not understand an issue regarding check history R22.
America First Credit Union America First Credit Union receives mixed reviews for its customer service. Many users commend the 'best customer service' in person, on the phone, and online . Conversely, some users report 'terrible customer service,' long hold times, representatives hanging up, and unhelpful responses to issues like transfer problems or MFA not working .
Pick 5Point Credit Union if

You prioritize excellent in-person and phone customer service and appreciate a simple, straightforward app for basic banking tasks, provided you don't frequently use mobile check deposit R10R32R33.

Pick America First Credit Union if

You need a broader range of features in your banking app, including card controls and spending insights, and are willing to tolerate occasional login issues and app maintenance for a generally well-regarded overall banking experience .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The reviews for both apps show a mix of strong satisfaction with the credit union itself and significant frustration with app functionality, particularly regarding reliability and login issues.

Frequently asked

Which app is better for mobile check deposits?
Neither app is consistently reliable for mobile check deposits, with 5Point Credit Union users frequently reporting issues like checks not showing up or the feature glitching R9R10R19R24, and America First Credit Union users also struggling with checks not being read .
Do these apps support biometric login like Face ID or fingerprint?
5Point Credit Union's app supports fingerprint login, which users appreciate for quick and secure access R54, though some wish it would catch up to the times R21. America First Credit Union's app supports Face ID, but users frequently report it failing or getting disabled, forcing them to use credentials R63R70.
Which app has better customer support for app issues?
5Point Credit Union generally receives higher praise for its customer service, with staff described as helpful and accommodating R10R32R33, though one user found them unhelpful with a specific app issue R22. America First Credit Union has mixed reviews, with some praising their customer service while others report long hold times and unhelpful responses to app problems .

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R14] 5Point Credit Union 5/5 · US Gold star for 5 point: 5Point is wonderful! The app is easy to navigate. I wish they had a virtual teller.
  2. [R15] 5Point Credit Union 3/5 · US Credit card history: There should be a view of transactions on your credit card purchases
  3. [R18] 5Point Credit Union 3/5 · US Could use some tweaks: Overall it does the main thing: access to your accounts and mobile deposits. But it would be AMAZING if I could see linked accounts with the names they're given by the account holder. Instead of "money market", the default, the account holder specified that account as "baby supplies". I would love to see the latter title rather than have to try to remember which account is w
  4. [R28] 5Point Credit Union 3/5 · US Very plain: This is a very plain Jane app. You can do very little through it. It's great if you need to check your balance and nothing else. You can transfer money. Cancel bill pay and that's about it. No check deposit options or any other features.
  5. [R1] 5Point Credit Union 2/5 · US Awful Design: I had the website bookmarked on my phone & computer forever. I wish I hadn’t removed it for this app. This is a total mess. Every time I make a change & then go back to fine-tune it, I get an error message. It doesn’t matter what the change is - account preferences, display preferences, etc. I tried adding the bookmark back but it looks different now. I really hate this messy app!
  6. [R2] 5Point Credit Union 5/5 · US Perfecto: I love this easy
  7. [R4] 5Point Credit Union 1/5 · US Bill Pay is so slooooooow to load in app: I’ve been a member of 5 Point for 20+ years and a user of the app as soon as it came online. There must have been an update or change to a different OLB platform because Bill Pay used to be quickly responsive, but now it takes a very long time to load in app. Annoying for the individual who counts on the convenience of OLB to manage banking tasks quickly.
  8. [R13] 5Point Credit Union 2/5 · US Slow: It’s real slow sometimes
  9. [R7] 5Point Credit Union 1/5 · US The app will not open and I can not check my accounts: IPhone pro 13 App won't open
  10. [R9] 5Point Credit Union 3/5 · US Check depositing: Since the app has been updated everytime I deposit a check it does not show up in my accounts. The check will be accepted and the money in my checking will remain unchanged. I have to transfer money to my savings in order for it to change or sometimes it doesn’t even show any accounts eligible for transfer so that I can have it change. When I call 5 point to ask why my check isn’
  11. [R10] 5Point Credit Union 1/5 · US Nice customer service, Bad app: The app is mostly straightforward to use; however, my check deposit section glitches and denies me access to it. I have talked to customer service to get it fixed and they tried to but it still doesn’t allow me to access that part which means I always have to drive over there to deposit checks. Not to mention that their online money transfer goes through Pop-Money w
  12. [R5] 5Point Credit Union 5/5 · US Review: One of the best decisions I’ve ever made was banking with 5Point Credit Union
  13. [R42] 5Point Credit Union 5/5 · US Love the App...and FIVE Point: Love the App..makes banking so convenient. Employees are always so nice and helpful.
  14. [R45] 5Point Credit Union 5/5 · US Love this app: This is a great app. I have all my balances at my fingertips. I can move money, pay bills, whatever. I never have any issues with this app either. Great!!
  15. [R58] 5Point Credit Union 5/5 · US Time saver!!: Saves me trips to the bank! 😊😊
  16. [R22] 5Point Credit Union 2/5 · US Five Point Credit Union App: App needs some work, especially on the history portion of accounts that shows checks. Need to have check numbers on history without having to download actual check to review. Many times I cannot download check. Called credit union to complain and person I spoke to did not understand.
  17. [R32] 5Point Credit Union 5/5 · US Business account review: I’ve been very pleased with my business accounts at 5 point credit union. The management has been extremely kind and accommodating with any of my banking issues. I highly recommend this credit union.
  18. [R33] 5Point Credit Union 5/5 · US Service: The best service out there. Tonia Jones is amazing and very helpful.
  19. [R19] 5Point Credit Union 2/5 · US Decent app with terrible mobile deposits: This app worked perfectly fine for balance checking and balance transfers. When they announced a mobile deposit function I got pretty stoked as I live pretty far away from any branches. Sadly, this portion of the app is terrible. After trying with several different checks I finally gave up. Potential for great mobile banking but it falls short.
  20. [R24] 5Point Credit Union 3/5 · US App: I love having the convenience but it doesn't always work when I need to deposit a check. It cuts off or refuses the pics sometimes.
  21. [R21] 5Point Credit Union 3/5 · US Update: It would b nice if it had the update where I can use my fingerprint to access my accounts. Let's catch up to the times and don't let the other banking apps out perform the app.
  22. [R54] 5Point Credit Union 5/5 · US Great app: Really great app! No problems so far! Like that you can use your print for quick and secure access! Just used the transfer part of the app today! It's works great! Kudos to y'all
  23. [R63] America First Credit Union 3/5 · US Great App Minus the Bugs: I never had problems on android, but there are some bugs on the iOS version it seems. Logging in is always a hassle as usually Face ID doesn’t work, and gets disabled quite often.
  24. [R70] America First Credit Union 1/5 · US Difficult to use: Not supported in locations where military travels. 3/30 Biometrics login stopped working so I have to use credentials every time I open the app. It’s difficult to find account numbers. There’s no distinction between my wife’s card and mine. It’s unclear if utilizing location on the card/app would prevent one of us from using the card since I’m traveling to the conflicted side of

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store