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

City of Boston Credit Union vs America First Credit Union

City of Boston Credit Union 4.8★ · Free to download 55
Winner America First Credit Union
America First Credit Union 4.8★ · Free to download · ⚠ stale 65

America First Credit Union (AFCU) generally offers a more functional and reliable app experience despite some recurring issues, while City of Boston Credit Union (COBCU) struggles with significant login problems and outdated features.

Full reviews: City of Boston Credit Union · America First Credit Union

America First Credit Union's app is praised for its ease of use and comprehensive features, though it faces frequent maintenance and login issues. City of Boston Credit Union's app, while recently updated, still suffers from persistent login failures and a lack of modern banking functionalities.

Head to head

Features and Functionality edge: America First Credit UnionR3R7R10R14
City of Boston Credit Union City of Boston Credit Union users appreciate the convenience of immediate fund transfers and access to credit cards within the app, especially after recent updates R32. However, many find the app outdated, lacking features like Zelle integration, tap-to-pay for cards, and easy external transfers R3R7R10. Some users also report issues with bill pay services and inability to update addresses via the app R14.
America First Credit Union America First Credit Union users generally find the app easy to navigate with convenient in-app options and card controls . Features like spending categorization and savings encouragement are appreciated . However, some users report difficulties with mobile check deposits, making online payments, and transferring funds within accounts R51R80. The app is also criticized for not showing transactions instantly and having an outdated interface .
Ease of Use and Reliability tieR9R13R15R17
City of Boston Credit Union Many City of Boston Credit Union users find the app to be slow, prone to crashing, and frequently displaying 'session expired' messages R9R13R15. Login issues are a major concern, with users unable to sign in, facing blank pages, or being constantly asked for security questions even with Face ID enabled R17R21R29. Some recent updates have improved Face ID and login for some, but not all R36.
America First Credit Union America First Credit Union's app is generally considered easy to navigate and use . However, it is plagued by frequent login problems, including Face ID not working, biometrics being disabled, and constant password resets . Users also complain about the app being frequently under maintenance, making it inaccessible, and experiencing general slowness and glitches R54R59R63.
Customer Service tieR2R4R5R6
City of Boston Credit Union City of Boston Credit Union receives mixed reviews for its customer service. Many users praise the staff for being professional, friendly, and going above and beyond to provide invaluable support R2R5R6R16. However, others describe customer service as terrible, rude, and unhelpful, especially when dealing with complex issues like loan errors or bill pay problems R4.
America First Credit Union America First Credit Union is highly praised by many long-term members for its excellent customer service, both in person and over the phone . Users appreciate the helpfulness and friendliness of the staff . Conversely, a significant number of users report awful customer service, long hold times, representatives hanging up, and unhelpful AI transfers .
Overall Satisfaction edge: America First Credit UnionR2R11R13R16
City of Boston Credit Union City of Boston Credit Union has a loyal member base, with many expressing long-term satisfaction and calling it the 'best credit union' R2R11R16. However, recent app issues and outdated features lead to significant frustration, with some users considering closing their accounts due to app unreliability R13.
America First Credit Union America First Credit Union also has a very loyal member base, with many expressing long-term satisfaction and calling it the 'best' . Despite this, a substantial number of users are extremely frustrated with the app's consistent problems, frequent maintenance, and login failures, leading some to consider switching banks R63R68.
Pick City of Boston Credit Union if

You are already a City of Boston Credit Union member and value personal, friendly service from branch employees, and are willing to tolerate an app that has had significant login and functionality issues, even with recent updates R2R5R6R16.

Pick America First Credit Union if

You are looking for a credit union with a generally easy-to-use app that offers good financial management tools, even if it experiences frequent maintenance and login glitches .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Both apps have a mix of positive and negative reviews, with recent negative reviews for both focusing heavily on app reliability and login issues, despite high lifetime ratings.

Frequently asked

Does City of Boston Credit Union's app support Face ID or fingerprint login?
Yes, City of Boston Credit Union's app has received updates that include Face ID and fingerprint login, though some users still report issues with these features not working consistently or requiring additional security questions R21R29R31R36.
Are there frequent maintenance issues with the America First Credit Union app?
Yes, America First Credit Union users frequently report that the app undergoes maintenance, sometimes weekly, making it impossible to access banking information R54R59R63R68.
Can I make external transfers with the City of Boston Credit Union app?
While some users appreciate the ability to transfer funds immediately within the app, external transfers have been described as a 'huge headache' and difficult due to time zone restrictions and lack of modern integration like Zelle R6R7R10R32.
Does America First Credit Union's app allow for easy bill payments?
Some America First Credit Union users report difficulties with making online payments, with one user stating they couldn't make car payments through the app and another mentioning issues with bill payments not showing on their account R51R80R102.

What reviewers actually said

Built only from these 107 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. [R3] City of Boston Credit Union 3/5 · US Technology: Good morning, With technology moving forward it’s hard to see the bank not moving in the direction of improvement. Bank transactions should be less complicated. If you need a new card you should not have to wait 10 business days. Thank you for the opportunity M. Flowers
  2. [R7] City of Boston Credit Union 1/5 · US Alan: Cards don’t have tap to pay, AND is not recognized by any of these helpful transactional apps. Ex Zelle
  3. [R10] City of Boston Credit Union 1/5 · US Outdated: This app is outdated makes it hard for people to make payments from outside banks because of this i dont use Boston credit union anymore
  4. [R14] City of Boston Credit Union 5/5 · US Some bugs: The app sometimes crashes. Plus, I used to be able to update my address on the app, and now I cannot.
  5. [R9] City of Boston Credit Union 3/5 · US Session expired: Lately the app has been giving me problems when trying to log in. As soon i log in it gives me the message session expired try and log in again, sometimes 2 or 3 times in a row.
  6. [R13] City of Boston Credit Union 2/5 · US Fails to open 60% of the time: So frustrating. No other app, including banking apps, give nor more trouble than this app. Just doesn’t load doesn’t show any information. Doesn’t matter how many times I open/close, WiFi/ no WiFi, apps in the background. So frustrating legitimately makes me want to close my account.
  7. [R15] City of Boston Credit Union 2/5 · US Very slow: I appreciate the ability to view and pay bills through an app, however the app is slow to open, slow to switch between accounts and the pay my bills page, and continually asks for security questions to be answered upon opening. I use the same device every time but it seems that it’s not remembered.
  8. [R17] City of Boston Credit Union 1/5 · US Needs improvement: So far the application makes me login to my security questions more often than I should. I also have trouble when logging in. I get shown a blank page so I have to close the application and restart.
  9. [R2] City of Boston Credit Union 5/5 · US Excellent should be its name.: Please let me start by saying that this is the best credit union I have ever been a member of, and I must say I’ve been a member of two others in the past but the team always goes above and beyond, regardless of what it is, a simple request for a new/lost card or something more complex. Everyone is super professional and friendly. My favorite person there is John fr
  10. [R4] City of Boston Credit Union 1/5 · US Not good: Customer service is terrible.
  11. [R5] City of Boston Credit Union 5/5 · US Cudos to your employees: To reactivate my dormant account, via telephone assistance, your W.Rox employee offered invaluable support with professionalism and a helpful dose of humor.
  12. [R6] City of Boston Credit Union 3/5 · US External transfers: The employees at the offices in Dorchester (Patty & Britany) & Canton (unsure of their names) were incredibly helpful. However the external transfers themselves were a huge headache. Messages from the transfer dept did not correspond to the transactions I initiated. Bring in a different time zone also severely restricted my ability to get access to my funds easily & quickly
  13. [R11] City of Boston Credit Union 5/5 · US Best Bank in Boston: Definitely the best in Boston
  14. [R16] City of Boston Credit Union 5/5 · US Satisfied customer: I have been a member of CBCU for about 15 years. My plan is to be a lifelong member. I’m that pleased with the service.
  15. [R21] City of Boston Credit Union 2/5 · US Was fine: The recent updates security changes are extremely annoying why have the option to login with Face ID if you have answer security questions enter a code from a text
  16. [R29] City of Boston Credit Union 1/5 · US Not working!: The new update for finger authentication is not functioning. City of Boston Credit Union has been very outdated and things don't seem to be moving in any directions!
  17. [R31] City of Boston Credit Union 1/5 · US Fingerprint: Why can't I just use my finger scan to access my account like every other banking app
  18. [R36] City of Boston Credit Union 5/5 · US UPDATE LONG OVER DUE BUT DEFINITELY NEEDED: I’ve waited years and finally we get a nice update. Love the Face ID feature and new tweaks and look!
  19. [R54] America First Credit Union 2/5 · US Love AFCU but the maintenance has to STOP frequently!: I love the AFCU App and it’s been so amazing to use to access my bank information! However, it’s becoming so frustrating that AFCU is constantly doing maintenance on the app all the time that it’s impossible to access my bank information instead of going to browser. Please STOP with the maintenance every single week! It’s becoming so annoying!
  20. [R59] America First Credit Union 3/5 · US Never works: This app undergoes more maintenance than a methheads car
  21. [R63] America First Credit Union 2/5 · US app needs to be fixed: easy to use but for the love of god make it work, it loads and loads and loads, it will not let me log in, it won’t let me transfer money, it’s always under some kind of work. please send some kind of warning before literally turning the app off for the sake of us! it’s annoying and if it always has to have this dumb work done then i’m bound to switching banks because its ge
  22. [R68] America First Credit Union 1/5 · US App doesn’t work: Had America first for years and have never liked the way they show your balances. lately they have constant maintenance so you can’t get into your mobile banking, and have had at least two occurrences they announced they had issues with cards being denied for no reason.
  23. [R32] City of Boston Credit Union 5/5 · US Convenient: This app is very convenient in that it allows you to transfer funds immediately. Thank you to all the men and women who make this possible.
  24. [R51] America First Credit Union 1/5 · US Can’t make online payments: Just opened up this credit union account and it doesn’t allow me to make online payments without calling in.
  25. [R80] America First Credit Union 1/5 · US Car payment: Good luck on trying to make your car payment. No payment button
  26. [R102] America First Credit Union 2/5 · US Incorrect balances: Bill payments that are finalized do not show on checking account page. Not even as pending.

Synthesized from 107 recent App Store reviews · updated July 2026 · View on the App Store