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

Consumers Credit Union vs Navy Federal Credit Union

Consumers Credit Union 4.8★ · Free to download 60
Winner Navy Federal Credit Union
Navy Federal Credit Union 4.9★ · Free to download 75

Choose Navy Federal Credit Union for a more reliable and user-friendly experience.

Navy Federal Credit Union generally offers a more reliable and user-friendly app experience compared to Consumers Credit Union, which has faced significant criticism for its recent updates and functionality issues. While both apps are free to download, Navy Federal's larger user base and higher ratings indicate greater overall satisfaction.

Head to head

features edge: Navy Federal Credit UnionR24R52R71R75
Consumers Credit Union Consumers Credit Union has been criticized for removing useful features like the app widget and for having a confusing interface post-update.
Navy Federal Credit Union Navy Federal Credit Union offers a variety of features, but users have reported issues with maintenance and app bugs that affect functionality.
ease of use edge: Navy Federal Credit UnionR13R58R65R80
Consumers Credit Union Many users find Consumers Credit Union's app to be laggy and difficult to navigate, especially after updates.
Navy Federal Credit Union Navy Federal Credit Union is generally seen as easy to use, though recent updates have introduced some bugs that frustrate users.
reliability edge: Navy Federal Credit UnionR1R16R61R70
Consumers Credit Union Consumers Credit Union has received multiple complaints about app crashes and lag, particularly after updates.
Navy Federal Credit Union Navy Federal Credit Union users frequently complain about maintenance downtime, but the app is generally more stable overall.
price/value tieR22R79
Consumers Credit Union Consumers Credit Union is free to download, but users have expressed concerns about fees related to inactive accounts.
Navy Federal Credit Union Navy Federal Credit Union is also free, and users report good value for services, although some have mentioned hidden fees.
support tieR42R76
Consumers Credit Union Consumers Credit Union's customer support has been criticized for being unresponsive, especially during app issues.
Navy Federal Credit Union Navy Federal Credit Union users have also reported slow customer service, but some praise the availability of 24/7 support.
Pick Consumers Credit Union if

you prefer a smaller credit union experience and are willing to navigate potential app issues for personalized service.

Pick Navy Federal Credit Union if

you want a more reliable and user-friendly app experience with a larger community of users.

Evidence note: Navy Federal Credit Union has a much larger user base and consistently higher ratings, which suggests more reliable performance despite some negative feedback about maintenance.

Frequently asked

Is there a fee for using the apps?
Both Consumers Credit Union and Navy Federal Credit Union apps are free to download and use, but Consumers Credit Union has received complaints about $10 fees for inactive accounts.

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. [R24] Consumers Credit Union 3/5 · US Got Rid of Great Features, UX much poorer: When we switched from a big bank to CCU their app was one of the highlights of the switch. The widget that allowed me to view my balance without opening the app was one of my and my husband's favorite features. The app was also easy to navigate and had not too many features clogging it up. Unfortunately, the update has removed many of those highlights. Th
  2. [R52] Consumers Credit Union 1/5 · US Latest update is very bad.: They recently changed the whole app, it’s not as easy to use as it used to be. They also seem to have removed the widget option, so now one has to log in to the app to check account balances. Terribly inconvenient.
  3. [R71] Navy Federal Credit Union 5/5 · US Bring Back the Widget: A few iOS versions ago, there was a widget I could have on my phone home page. I wish they would bring that option back.
  4. [R75] Navy Federal Credit Union 3/5 · US Has Become Trash: This app used to be great. The amount of times this app shuts down for maintenance (during the weekends btw) you’d think it would get better. It has not. Trying to create a cashier’s check request and this app won’t allow me to pull money from the correct account. Currently looking for another financial institution alternative.
  5. [R13] Consumers Credit Union 1/5 · US Annoyingly Laggy: Love Consumers, but this app is sooooo laggy. I’ve contacted IT and they just continue to tell me they have no idea what I’m referring to and haven’t had any other complaints. It takes a while to load and access my accounts upon opening. Once it’s open it’s fine, but lags terribly in the beginning. Once it’s finally running I’ve done what I’ve come to do and I’m ready to close
  6. [R58] Consumers Credit Union 1/5 · US So Aggravating: I would delete this app if it did not control all of our money. I have never called Consumers more then I have since the new app update. I cannot pay bills, I cannot access my money, and I cannot stay logged in. The aggravation continues because Consumers’ customer service is closed on Saturday afternoon and Sunday. The old app may have been simple, but at least it consistently wor
  7. [R65] Navy Federal Credit Union 5/5 · US Best of All: You won’t find better than NFCU, period.
  8. [R80] Navy Federal Credit Union 4/5 · US Great updates: Always been a pretty easy app to use, but they recently updated how they show and handle credit card points and they really made it magnitudes better. Still not perfect, but way better than before. A few notes: NFCU, now all I want is to not have to press a button to sign it when I open the app. Pleeeaaaseee. Just start the FaceID scanning automatically for a seamless sign in, all
  9. [R1] Consumers Credit Union 1/5 · US Welp, you’ll owe me: My account says I have enough so imma go ahead and buy my morning coffee. Your app says the amount might be incorrect. Well, I’ve restarted, deleted and reinstalled, everything you have to in order to fix this and it still says the amount displayed could be incorrect. Tough luck. If you’re advertising I have the money, I have the money. Unfortunately this is false advertising.
  10. [R16] Consumers Credit Union 1/5 · US Last Update Is Terrible: The last update slowed the response time of this App significantly. Now when the app is launched you have to wait for an advertisement to load. Then you have to click off the ad and wait again for the app to respond. Super annoying! It’s bad enough that I’m contemplating switching financial services to another company.
  11. [R61] Navy Federal Credit Union 2/5 · US Always under maintenance: WHYYYY is this app constantly under maintenance? I try to open in and half the time I can't even check my account or transfer money because they're "conducting scheduled maintenance." I've never dealt with a banking app or any app like this where it's always undergoing some sort of service, like this is so frequent that it has irritated me enough to the point of writing a
  12. [R70] Navy Federal Credit Union 1/5 · US Maintenance times: Maintenance times take too long when I need to acces my account the most
  13. [R22] Consumers Credit Union 1/5 · US Disappointing App and Inactive Account Fee - Looking for Alternatives: It is baffling that a financial institution of your reputation cannot provide a stable and user-friendly app for its customers- especially as something as simple as mobile deposit. I was shocked to discover that the bank charges a monthly fee of $10 for inactive accounts. This policy seems predatory and designed to take advanta
  14. [R79] Navy Federal Credit Union 1/5 · US I Hate Navy Federal: If I had a triple negative zero that would be the rating. They lie like no tomorrow. Absolutely hate them.
  15. [R42] Consumers Credit Union 1/5 · US Awful: The changes made to this app have just complicated my online banking to a beyond frustrated level. Every Mobile deposit is error-ing out-still! My other institution is much more user friendly, after 29 years I may be leaving consumers credit union and moving all of my funds. You still need to work on this!
  16. [R76] Navy Federal Credit Union 1/5 · US Customer service: I had an urge matter I needed answering and instead of answering navy reader customer support made me wait hours and didn’t even answer as well as the instagram navy federal had answered faster then the actual company.

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