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

First Community CU (MO) vs CFCU Community Credit Union

First Community CU (MO) 4.8★ · Free to download 65
Winner First Community CU (MO)
CFCU Community Credit Union 4.7★ · Free to download 55

First Community CU (MO) is slightly better due to its generally more positive user experience, despite recent stability issues, while CFCU Community Credit Union struggles with consistent app functionality and a perceived outdated interface.

Full reviews: First Community CU (MO) · CFCU Community Credit Union

First Community CU (MO) generally offers a more navigable app with users appreciating its ease of use, though recent updates have introduced stability and functionality problems. CFCU Community Credit Union, while convenient for basic tasks, faces significant criticism for its inconsistent performance, lack of modern features like Face ID, and a clunky, outdated user interface.

Head to head

Features tieR1R2R3R8
First Community CU (MO) Users of First Community CU (MO) appreciate being able to do all banking from their phone and find the app generally navigable R2R8. However, some desire more detailed loan account information R3, a working search function R9R24, and the ability to nickname accounts . There are also complaints about difficulty with external transfers and bill pay R1.
CFCU Community Credit Union CFCU Community Credit Union users find the app convenient for basic tasks like checking balances, transferring money, and mobile check deposits . However, many lament the absence of Face ID or Touch ID for login R72R77R78R90. Users also report issues with mobile check deposit functionality R61R69R87R92 and a lack of features available in online banking, such as changing address information or making principal mortgage payments .
Ease of Use edge: First Community CU (MO)R1R8R9R11
First Community CU (MO) First Community CU (MO) receives mixed feedback on ease of use. Some users find it easily navigable and appreciate the new UI R8R11. However, others describe the app as outdated, unorganized, and not user-friendly, especially after recent updates R1. Specific complaints include difficulty finding transactions without a search function R9R24, an annoying bill pay process , and persistent, uncleared notification alerts .
CFCU Community Credit Union CFCU Community Credit Union users frequently describe the app as not intuitive, clunky, and difficult to navigate . Many find the new UI to be a step backward, with small, unresizable tiled windows on iOS that make it hard to read and interact with . There are also complaints about the app not rotating for iPad landscape display and requiring too many security protocols or steps to log in .
Reliability tieR1R6R10R12
First Community CU (MO) First Community CU (MO) has significant reliability issues, particularly after recent updates. Users report the app frequently freezing R1R10, crashing R12, and being down for maintenance for extended periods R15. Many users have to uninstall and reinstall the app weekly to fix issues R12. There are also complaints about money not transferring instantly and delayed direct deposits R6R22.
CFCU Community Credit Union CFCU Community Credit Union also suffers from reliability problems. Users frequently report the app not working about half the time , logging them out, or not recognizing them R61. Face ID/Touch ID often stops working R77R90, forcing password changes R92. The app is noted for crashing, especially during mobile deposits , and sometimes goes blank or freezes . Some users mention the system going down more than other banking apps .
Price/Value tieR17R20R26R32
First Community CU (MO) Users generally praise First Community CU (MO) for its overall banking services, with many being long-term satisfied customers R17R20R32R39. One user specifically mentioned getting a credit card with a great percentage rate R26.
CFCU Community Credit Union CFCU Community Credit Union is praised for being a good bank with low fees , great service , and convenience that makes banking easy . Many are loyal, long-term customers .
Support edge: First Community CU (MO)R20R22R39R52
First Community CU (MO) First Community CU (MO) receives mixed reviews regarding support. Some users praise the exceptional help and pleasant employees R20R39. However, others report no answer when calling for help R22 and zero help from tech support R52.
CFCU Community Credit Union CFCU Community Credit Union users report difficulty getting support. There are complaints about no one responding to questions submitted through the app and no one answering when calling the bank itself . One user reported that listed phone numbers did not exist .
Pick First Community CU (MO) if

you prioritize a generally navigable app experience and good in-person banking service, and are willing to tolerate occasional app stability issues and an outdated interface.

Pick CFCU Community Credit Union if

you need an app primarily for basic functions like checking balances and mobile deposits, and are a long-term customer willing to overlook frequent app inconsistencies, a clunky interface, and lack of modern login features.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent reviews for First Community CU (MO) show a decline in app reliability, which contrasts with its high lifetime rating, suggesting a recent negative trend. CFCU Community Credit Union's reviews consistently highlight app functionality issues, aligning with its slightly lower lifetime rating.

Frequently asked

Does First Community CU (MO) app have a search function for transactions?
Recent reviews indicate that the search function is either missing or not working properly, making it difficult for users to find past transactions R9R24.
Does CFCU Community Credit Union app support Face ID or Touch ID?
Many users report that the CFCU Community Credit Union app lacks consistent Face ID or Touch ID functionality, often requiring manual password entry or password changes R72R77R78R90.
Are there issues with mobile check deposit in either app?
Yes, users of CFCU Community Credit Union frequently report issues with mobile check deposit, including the feature never working, camera orientation problems, and the app crashing during the deposit process R61R69R87R92.
How often do these apps experience downtime or crashing?
Both apps have significant reliability issues; First Community CU (MO) users report frequent freezing, crashing, and the app being down for maintenance for extended periods, sometimes for a full week R1R10R12R15, while CFCU Community Credit Union users also experience the app not working about half the time, crashing, and Face ID failures .

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. [R1] First Community CU (MO) 1/5 · US Horrible: Won’t transfer to external accounts. Every time i go to settings > account preference it freezes. The app is outdated, unorganized and this is after the so called update.
  2. [R2] First Community CU (MO) 4/5 · US Decent app: Decent financial app, I’m able to do all banking from my phone.
  3. [R3] First Community CU (MO) 3/5 · US Loan Account: Would be nice to see more information on the loan account. Start date, payments completed and payments left to make quantities.
  4. [R8] First Community CU (MO) 5/5 · US Review: Easily navigable
  5. [R9] First Community CU (MO) 3/5 · US Where did the search function go?: I don’t see the search function anywhere to easily find transactions without having to search through my entire feed. Disappointing as I use that function regularly.
  6. [R11] First Community CU (MO) 5/5 · US Software QA Engineer: So far so good, the new UI is slickly nice. An improvement on the credit card details page screen navigation would be awesome
  7. [R6] First Community CU (MO) 3/5 · US Review: My money don’t transfer instantly into my account sometimes when I withdraw I have to wait 3-4hrs
  8. [R10] First Community CU (MO) 2/5 · US .: App keeps freezing & not letting me login.
  9. [R12] First Community CU (MO) 3/5 · US used to be good: Has always worked great until recently. Now constantly won’t open the app and crashes. Makes me uninstall and reinstall to get it to fix. Happens almost weekly, which is way too much.
  10. [R17] First Community CU (MO) 5/5 · US BEST EVER: The best ever I started an account here 14 or 15 years ago I would never go anywhere else. They are awesome.
  11. [R20] First Community CU (MO) 5/5 · US Outstanding service: I've never been at a bank with so many pleasant employees!..from the manager to every single bank teller. Joe Kaminski
  12. [R26] First Community CU (MO) 5/5 · US Loan: I got a credit card with a great percentage rate. quick and easy
  13. [R32] First Community CU (MO) 5/5 · US Awesome Credit Union: So far so good! I believe I’ll like being here!
  14. [R22] First Community CU (MO) 1/5 · US Worst bank: I’ve been with them for years and gotten paid at the same time recently I have been getting paid whenever the money feels like coming to my account such as I get paid at 11 I’ve been getting paid at 2 o’clock 10 o’clock 3 o’clock and I get paid Thursdays at night. I’ve been calling for help no answer and also the app does not work.
  15. [R39] First Community CU (MO) 5/5 · US Exceptional Help when you need it!: No matter the problem related to banking. They can fix it!
  16. [R52] First Community CU (MO) 1/5 · US Useless: Nothing but problems. Zero help from tech support.
  17. [R24] First Community CU (MO) 3/5 · US Search: The search bar won’t drop down and allow me to search history when using my phone app
  18. [R72] CFCU Community Credit Union 3/5 · US It’s functional: The app does what I need it to do, but would be better if it were more user friendly and also had Face ID.
  19. [R77] CFCU Community Credit Union 4/5 · US Doesn’t do face recognition: Works great except that it has never managed to get face recognition right
  20. [R78] CFCU Community Credit Union 3/5 · US Needs more features, consistency: Missing Touch ID Transactions grouped together (when verifying PayPal, for instance, there are two small deposits which show up on the full web version of transaction history but appear as one transaction in the app)
  21. [R90] CFCU Community Credit Union 1/5 · US Face recognition not working: The face recognition does not work.
  22. [R61] CFCU Community Credit Union 2/5 · US Very inconsistent: I have to delete the app once a month as it logs me out and doesn't recognize me. The deposit check feature via online check photo system has never worked. This app is only good to check balances with and that's about it. Needs a lot of work.
  23. [R69] CFCU Community Credit Union 3/5 · US Mobile check deposit bug: The camera orientation and the phone orientation appear to be opposite with this latest update making it very difficult to align a check to take a picture
  24. [R87] CFCU Community Credit Union 4/5 · US Deposits & Camera: Whrn taking a picture of the check for deposit, I wish the camera could take the picture automatically when the check was in focus rather than having to tap the screen to take the photo. Thanks!
  25. [R92] CFCU Community Credit Union 1/5 · US App trouble: Over the last few months I have been having trouble with my CFCU app. I use it mainly to deposit checks through mobile deposit. I have had to change my user name and then passwords nearly every time I need to log in and make a deposit. This was not the case until the last app update. Please fix. ❤️
  26. [R15] First Community CU (MO) 3/5 · US App down every three days: So this is ridiculous that every three days this app is down for maintenance. All I want to do is check my account. I shouldn’t have to just through hoops to do that.

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