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

Consumers Credit Union vs America First Credit Union

Consumers 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 (AFCU) has a slight edge over Consumers Credit Union (CCU) due to more consistent app functionality, despite both apps facing significant user complaints about recent updates and technical issues.

Full reviews: Consumers Credit Union · America First Credit Union

Both Consumers Credit Union and America First Credit Union receive high praise for their customer service, but their mobile apps are a source of frequent frustration for users. AFCU's app, while not perfect, appears to have fewer critical bugs and slightly better overall reliability compared to CCU's recent problematic updates.

Head to head

App Features and Functionality edge: America First Credit UnionR9R13R16R19
Consumers Credit Union Users of Consumers Credit Union report significant issues with recent app updates, including mobile deposit errors, inability to transfer money, and removal of popular features like widgets . The app is described as laggy, slow to load, and having a poor interface R13R16R19R36. Some users also note a lack of compatibility with third-party apps like Quicken and Plaid R9R37R44.
America First Credit Union America First Credit Union users also experience issues with app functionality, such as difficulty with mobile deposits and transfers, and an outdated interface R89. Specific complaints include problems with Zelle and other buttons being out of view on smaller screens . However, some users find the app easy to navigate and appreciate features like card controls and spending categorization .
Ease of Use tieR9R27R40R42
Consumers Credit Union Many Consumers Credit Union users find the app difficult to use, especially after recent updates, citing a non-user-friendly interface and confusing layouts for tasks like bill pay R27R42. Login issues, such as needing to approve every Quicken login or re-entering characters due to autofill problems, also contribute to a poor user experience R9R40.
America First Credit Union America First Credit Union users have mixed experiences with ease of use. While some describe the app as easy to navigate and simple to use , others find it difficult, not user-friendly, and with a horrible interface R70R89. Issues like multiple logins for different accounts also add friction .
Reliability and Performance tieR1R13R16R36
Consumers Credit Union Consumers Credit Union's app is frequently criticized for being laggy, slow to load, and buggy, with users reporting long wait times and unresponsiveness R1R13R16R36. Many recent reviews highlight critical issues like mobile deposits erroring out, inability to pay bills, and constant login problems, leading some to consider switching banks R42.
America First Credit Union America First Credit Union's app also suffers from reliability issues, with frequent complaints about maintenance downtime, login failures, and slow loading . Users report Face ID not working consistently and the app forgetting passwords R63R70R111. However, some users state the app normally runs smoothly when it is working .
Customer Service and Support tieR5R8R13R14
Consumers Credit Union Consumers Credit Union generally receives high praise for its customer service, with many users describing staff as friendly, helpful, and providing excellent service R5R8R14. However, some users report IT support being unhelpful regarding app issues R13.
America First Credit Union America First Credit Union is also highly regarded for its customer service, with members appreciating the helpfulness and friendliness of staff in person, on the phone, and online . Despite this, some users report issues with customer service, including long hold times and representatives hanging up .
Price and Value edge: Consumers Credit UnionR4R6R22R97
Consumers Credit Union Consumers Credit Union users express dissatisfaction with certain fees, such as a $10 charge for early deposits or a $10 monthly fee for inactive accounts R4R22. Some also wish for more payment options and fewer fees R6.
America First Credit Union America First Credit Union users do not extensively comment on fees within the app reviews, but one user mentions being overcharged by the app R97. There are no specific details about fees comparable to CCU's mentioned issues.
Pick Consumers Credit Union if

You prioritize excellent in-person customer service and are willing to tolerate a potentially buggy and laggy app, especially if you don't rely heavily on advanced mobile banking features R5R8R14.

Pick America First Credit Union if

You need an app that, despite occasional maintenance and login issues, generally offers more consistent functionality and a broader range of in-app controls, and you value strong overall credit union services .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent reviews for both apps show a negative skew, primarily due to issues with app updates and functionality. The lifetime ratings are high for both, but recent user experiences suggest a decline in app quality.

Frequently asked

Do these apps support third-party integrations like Quicken or Plaid?
Consumers Credit Union's app has issues with compatibility, with users reporting that it does not support Quicken or Plaid, which can limit connections to other financial tools R9R37R44. America First Credit Union reviews do not specifically mention Plaid, but some users report difficulty adding accounts for payments R89.
Are there fees associated with these credit unions?
Consumers Credit Union charges a $10 fee for early deposits and a $10 monthly fee for inactive accounts, which some users find predatory R4R22. America First Credit Union reviews do not detail specific fees, though one user mentioned being overcharged R97.
Can I use Face ID or other biometric logins with these apps?
Consumers Credit Union users report that Face ID often doesn't work R15. America First Credit Union users also frequently experience issues with Face ID, stating it gets disabled often or stops working, forcing them to use credentials R63R70R111.

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. [R9] Consumers Credit Union 3/5 · US Needs some work: Easy to use Platform. I wish I didn’t have to approve every login in to Quicken every single time.
  2. [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
  3. [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.
  4. [R19] Consumers Credit Union 2/5 · US Horrible app design and functionality: There’s little to no common sense with this app and how it functions. The dashboard looks like it was designed by a high schooler just learning to code.
  5. [R27] Consumers Credit Union 3/5 · US New App isn’t great: I really don’t like the new app. It’s not very user friendly and makes viewing your bank account way more of a hassle than it needs to be. I don’t feel like the information is conveyed as clearly as it could be. Three stars because it functions but is unpleasant to use.
  6. [R40] Consumers Credit Union 1/5 · US Tedious to Log in: It is very tedious to log in. Autofill fills in my user name and password, but then the app doesn’t think I typed in one or the other of the fields, so I have to re-enter a character. I have multiple accounts, so it extra annoying since I have to switch accounts all the time.
  7. [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!
  8. [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.
  9. [R36] Consumers Credit Union 3/5 · US Slow and outdated: Take forever to log in sometimes no matter what your connection is. I’ll sit there for a few minutes sometimes just watching it load.
  10. [R5] Consumers Credit Union 5/5 · US Best bank ever: Best service ,best plans,an best customer service ever !
  11. [R8] Consumers Credit Union 5/5 · US Great credit union: I love Consumer’s Credit Union. They always give me the best service.
  12. [R14] Consumers Credit Union 5/5 · US Credit union services: Fantastic people fantastic place
  13. [R4] Consumers Credit Union 2/5 · US My money: I should not be charged $10.00 if you already know that money is there if I need that early deposit, I’m retired and need every penny I can keep !
  14. [R6] Consumers Credit Union 3/5 · US Need more payment options: Need more payment options and less fees
  15. [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
  16. [R97] America First Credit Union 1/5 · US Ugh: I’m ready to switch banks. The app is always messing up or over charging me. Or it won’t let me in. Ugh.
  17. [R37] Consumers Credit Union 1/5 · US Not compatible: Most apps that links to your bank account uses “Plaid” and consumers is not compatible with it. Credit boosters, payday apps, bills, etc.I like this bank but thinking about changing just for this reason.
  18. [R44] Consumers Credit Union 1/5 · US Hate the new app: Does not support quicken or prism. Also, does not work with widgets on the iphone. Also, very glitchy. Loved the old app.
  19. [R89] America First Credit Union 1/5 · US Horrific: Never had such a hard time giving someone hundreds of dollars. Everything about the app is sucks, it’s not user friendly, it glitches, doesn’t let you add accounts so you can pay them. Just let me Apple Pay, use a system that actually works this one is garbage.
  20. [R15] Consumers Credit Union 3/5 · US Good but not Great: Good app but the face ID doesn’t work and I would like to be able to freeze my card from the app.
  21. [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.
  22. [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
  23. [R111] America First Credit Union 1/5 · US App doesn’t let me log in: I CONSTANTLY have to update my password or it doesn’t recognize my Face ID. I have to constantly type my password, wait for a code just to look at my account. Making payments is also a pain. Once I’m done with my loan I will no longer bank just because this stupid app is frustrating

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