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

CFCU Community Credit Union vs First Community CU (MO)

CFCU Community Credit Union 4.7★ · Free to download 55
Winner First Community CU (MO)
First Community CU (MO) 4.8★ · Free to download 60

First Community CU (MO) is the better choice due to its slightly higher lifetime rating and fewer critical issues, despite both apps suffering from recent reliability and usability problems.

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

Both CFCU Community Credit Union and First Community CU (MO) apps face significant user complaints regarding reliability, login issues, and outdated interfaces. While CFCU is slated for replacement, First Community CU (MO) generally receives more positive feedback on navigation and core banking functions, making it a marginally better option.

Head to head

Features tieR1R9R12R15
CFCU Community Credit Union CFCU users find the app primarily useful for checking balances and mobile deposits, though the mobile check deposit feature is inconsistent and often buggy R1R9R46R51. Some users desire more advanced features like principal mortgage payments or full online banking capabilities within the app R15. The app is also criticized for lacking Face ID or Touch ID for login R12R17R18R30.
First Community CU (MO) First Community CU (MO) users appreciate being able to do all banking from their phone and find the app generally navigable . However, some users report issues with external transfers and wish for more detailed loan information . The absence of a search function for transactions is a common complaint R69R84, and some users desire features like early direct deposit or the ability to nickname accounts .
Ease of Use tieR1R4R9R12
CFCU Community Credit Union CFCU users describe the app as inconsistent, difficult to navigate, and not user-friendly R1R12. Specific complaints include poor UI design , small text and tiled windows , and issues with landscape display on iPads R4. The mobile check deposit camera is often problematic R9.
First Community CU (MO) First Community CU (MO) users have mixed opinions on ease of use. Some find it easily navigable , while others criticize the UI as outdated and not intuitive . The bill pay feature is noted as complicated , and the app is criticized for too many clicks and solicitations .
Reliability tieR1R7R10R13
CFCU Community Credit Union CFCU's app is plagued with reliability issues, including frequent logouts, Face ID/Touch ID failures, blank screens, and crashes R1R7R10R13. Users often have to delete and reinstall the app or change passwords to regain access R1R7R10R13. Some report the app not working half the time R7 or being down for updates .
First Community CU (MO) First Community CU (MO) also faces significant reliability problems. Users report the app freezing , crashing frequently , and being down for maintenance for extended periods R88. Many users have to uninstall and reinstall the app to fix issues . Login problems are also common .
Price/Value tieR13R25R33R57
CFCU Community Credit Union Both apps are free to download. CFCU users appreciate low fees R13 and find the app convenient for managing finances, saving trips to the branch R25R33R57.
First Community CU (MO) First Community CU (MO) users also benefit from a free app. Some express satisfaction with loan rates and overall service .
Support tieR15R40R42R88
CFCU Community Credit Union CFCU users report difficulty getting help, with no one responding to in-app questions or calls to the bank R15. Some struggle with security protocols, finding them too complicated R40R42.
First Community CU (MO) First Community CU (MO) users report issues with tech support, describing it as unhelpful or non-existent during outages R88. Some users also complain about rude or untrained employees .
Pick CFCU Community Credit Union if

You are an existing CFCU customer who primarily needs to check balances and are willing to deal with occasional app inconsistencies and login issues, especially since a new app is expected soon .

Pick First Community CU (MO) if

You prioritize a slightly more navigable interface and generally positive overall banking experience, despite the app's frequent crashes and maintenance outages .

Evidence note: Both apps have a significant number of negative reviews, particularly recent ones, indicating ongoing issues with reliability and user experience. The high lifetime ratings for both apps appear to be skewed by older, more positive reviews, while recent feedback points to a decline in app quality. The free-to-download nature means all users, regardless of payment tier, experience these issues.

Frequently asked

Are there known issues with mobile check deposit for CFCU Community Credit Union?
Yes, CFCU Community Credit Union users frequently report problems with mobile check deposit, including the feature never working, camera orientation bugs, and the app crashing during the deposit process R1R9R46R51.
Does First Community CU (MO) app have a search function for transactions?
No, several First Community CU (MO) users complain that the search function for transactions is missing or not working, making it difficult to find specific entries without scrolling through the entire feed R69R84.
Is Face ID or Touch ID available for logging into the CFCU Community Credit Union app?
No, many CFCU Community Credit Union users express frustration that Face ID or Touch ID is not consistently available or functional for logging in, often requiring them to manually enter passwords or deal with biometric login failures R12R17R18R30.

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] 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.
  2. [R9] 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
  3. [R12] 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.
  4. [R15] CFCU Community Credit Union 3/5 · US It’s OK: This app isn’t great, but it gets the job done. It usually works but I have had it refuse to log me in. I wish the app had all the features available with online banking like changing address information. I’ve also NEVER had anyone respond when I’ve submitted questions with the app which is extremely disappointing since no one answers when I call a bank itself. All around, it’ll do the jo
  5. [R4] CFCU Community Credit Union 1/5 · US Issues: The app will not rotate to accommodate the Landscape display of an iPad.
  6. [R7] CFCU Community Credit Union 2/5 · US Repeated issues: This app doesn’t work about half the time I go to use it. Either the Face ID doesn’t work or the screen is completely blank. It’s so inconsistent that I changed my primary bank to one that has a functional app.
  7. [R10] CFCU Community Credit Union 2/5 · US CFCU App: The app is the most miserable app I’ve ever used. Most times it does not like my password and I’m forced to change to be able to use it. Because of this I have thought several time about changing banks. Nickname in the review is just as bad as trying to sign into my account.
  8. [R13] CFCU Community Credit Union 1/5 · US Terrible IT: Often need to change password as Face ID stops working and don’t have password handy. Goes down more than any other banking app I use. The system goes down. Upgrades take a week instead of hours in past. Only keep because I’ve been customer for decades and fees are low.
  9. [R25] CFCU Community Credit Union 5/5 · US Bank in my pocket: I live 3 blocks from CFCU, but rarely go there, because the app is so much easier. If it dispensed cash from my phone I might never visit the branch location at all
  10. [R33] CFCU Community Credit Union 5/5 · US Convenient: This app makes banking easy for me. I live in a different state now. I can mobile upload checks, transfer money and check my account at any time. Really appreciate being able to do this. CFCU is the best bank ever.💞
  11. [R57] CFCU Community Credit Union 5/5 · US Love remote check deposit: I love the CFCU mobile app! It’s worked great so far. The mobile check deposit has saved me countless hours and gas. Thank you.
  12. [R40] CFCU Community Credit Union 1/5 · US Clumsy: Security is fine, but being unable to use gmail and requiring an 8 digit security code taxes my iPhone capabilities.
  13. [R42] CFCU Community Credit Union 1/5 · US Terrible: Too complicated to use and too many security protocols. Your development team thinks too much like teenagers computer geeks and less like working older people.
  14. [R88] First Community CU (MO) 1/5 · US App has been down for 6 days: They said it was scheduled maintenance but it was only supposed to be for the weekend. We are now on day 6 and it still says down for maintenance when I tried to login. There’s no backup, no website login or phone call to check my account. What kind of bank doesn’t let anyone login for 6 days?
  15. [R46] CFCU Community Credit Union 1/5 · US Crashes: Crashes every time a mobile deposit is attempted!
  16. [R51] CFCU Community Credit Union 5/5 · US It’s great when it works: At times I don’t have any problems making mobile deposits. Then I’ll hit a period of time when it will take a picture and then the screen goes blank. Or I’ll take a picture of the front and back of the check click on deposit and it goes back to the original screen. It seems they have some more bugs to work out.
  17. [R69] 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.
  18. [R84] 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
  19. [R17] 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. [R18] 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. [R30] CFCU Community Credit Union 1/5 · US Face recognition not working: The face recognition does not work.

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