Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

City of Boston Credit Union vs First Community CU (MO)

City of Boston Credit Union 4.8★ · Free to download 60
Winner First Community CU (MO)
First Community CU (MO) 4.8★ · Free to download 70

First Community CU (MO) has a slight edge due to its generally more stable app performance, despite recent issues, while City of Boston Credit Union struggles with persistent login and functionality problems.

Full reviews: City of Boston Credit Union · First Community CU (MO)

City of Boston Credit Union (A) offers strong in-person customer service, but its app is plagued by login issues, crashes, and outdated features. First Community CU (MO) (B) also faces recent app instability and some outdated aspects, but its core banking services and customer support generally receive higher praise.

Head to head

App Features and Functionality tieR1R3R7R8
City of Boston Credit Union Users appreciate the convenience of the app for viewing and paying bills and transferring funds, especially after recent updates that introduced Face ID and an improved interface R1R8. However, many complain about outdated features, lack of Zelle integration, inability to update addresses, and the absence of tap-to-pay for cards R3R7.
First Community CU (MO) The app allows users to do all banking from their phone and is generally navigable . However, users report issues with external transfers, lack of detailed loan information, missing search functions, and an inability to nickname accounts R48. Some also find the bill pay portion less user-friendly after updates .
Ease of Use and Reliability (App) edge: First Community CU (MO)R9R12R13R15
City of Boston Credit Union Many users report significant problems with the app, including frequent session expirations, difficulty logging in, blank pages, crashes, and slow performance R9R12R13R15. Some recent updates have improved the login experience for some, but others still face issues R36.
First Community CU (MO) While some users praise the app as easy to use and navigate , a significant number report frequent freezing, crashing, and inability to log in, often requiring reinstallation . There are also complaints about constant security questions and notification issues that don't clear R80.
Customer Service and Support tieR2R4R5R6
City of Boston Credit Union Many users highly praise the customer service, describing employees as professional, friendly, helpful, and going 'above and beyond' R2R5R6. However, some report terrible customer service, especially regarding loan issues and bill pay problems R4R19.
First Community CU (MO) Users frequently commend the outstanding and pleasant employees, describing the service as 'exceptional help when you need it' . Conversely, some reviews mention rude, untrained, and unhelpful employees, and a lack of support for app issues .
Reliability of Banking Services tieR3R6R19R53
City of Boston Credit Union Users report issues with external transfers being a 'huge headache' and not corresponding to initiated transactions R6. There are also serious accusations of the credit union adding money to principal loan balances, keeping users in debt R19. Waiting 10 business days for a new card is also a point of frustration R3.
First Community CU (MO) Users frequently complain about slow processing times for transfers and transactions, especially from outside banks, sometimes taking a whole day or several hours R53R68. A significant concern is the app and website being down for extended periods, with one report of 6 days of no access . There's also a serious complaint about a car loan with gap insurance not being handled correctly after an accident .
Pick City of Boston Credit Union if

Pick City of Boston Credit Union if you prioritize excellent in-person customer service and are willing to navigate a potentially buggy app, especially if recent updates have resolved some login issues for you R2R5R36.

Pick First Community CU (MO) if

Pick First Community CU (MO) if you value a generally navigable app for basic banking tasks, despite recent instability, and appreciate a credit union with a long history of positive member experiences and outstanding branch service .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both show significant dissatisfaction with app performance and reliability, indicating a potential decline in user experience. The free-to-download nature means users expect full functionality without friction, and both apps fall short for a segment of their user base.

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 recently been updated to include Face ID and fingerprint login features, which many users appreciate R36. However, some users still report issues with these features, such as being asked for security questions even with Face ID enabled R21R29R31.
Are there issues with external transfers for First Community CU (MO)?
Yes, users of First Community CU (MO) report difficulties with external transfers, noting that the app won't transfer to external accounts and that making payments with external accounts requires jumping through more hoops R48R80. Transfers can also be slow, sometimes taking a whole day or several hours to process R53R68.
How reliable are the apps for daily banking?
The reliability of both apps is a significant concern for users, with City of Boston Credit Union's app frequently experiencing session expirations, crashes, and login failures R9R13R15R27. First Community CU (MO)'s app also suffers from frequent freezing, crashing, and being down for maintenance for extended periods, sometimes up to 6 days .

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. [R1] City of Boston Credit Union 1/5 · US Great: Convenient and efficient
  2. [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
  3. [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
  4. [R8] City of Boston Credit Union 5/5 · US Very convenient: I am pleased with the services offer, efficient and convenient!
  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. [R12] City of Boston Credit Union 3/5 · US COBCU APP OK: This app is basic, simple & generally works well. Since the last update, the app states that I’ve been logged out of my session every time when logging in for a new session, even if the app has been closed out. Please fix this error. Face ID would be nice also
  7. [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.
  8. [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.
  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. [R19] City of Boston Credit Union 1/5 · US Thieves: Do NOT get a loan through this credit union. They are absolute thieves. They will keep adding money to your principal balance keeping you in debt forever!!! They’re customer service will do nothing to fix this error!!!
  14. [R53] 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
  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. [R48] 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.
  20. [R68] First Community CU (MO) 3/5 · US Very Average: Better than US Bank but it takes so long to process transfers and transactions from outside the bank, especially ones that are supposed to be instant it can sometimes take a whole day. Really makes my life way harder when I’m tryna to get gas while ubering or something like that.
  21. [R80] First Community CU (MO) 3/5 · US Notification alert and interact feed issues: Gets basic transactions done. Have to jump through more hoops to make payments with external accounts. Annoying how how the app icon always displays a number alert. It always shows an alert number for Messages and in More > Interact. I go to messages and read the message, but it never clears the alert number. I tap on Interact and it opens a Feed page,
  22. [R27] City of Boston Credit Union 1/5 · US Annoyed: App updated and now I can’t sign in. User name there but won’t go to passwords. I have to just use my web browser to see my account. No point of this app if I can’t sign in.

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