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

Delta Community Credit Union vs First Community CU (MO)

Delta Community Credit Union 4.8★ · Free to download 65
Winner Delta Community Credit Union
First Community CU (MO) 4.8★ · Free to download 55

Delta Community Credit Union (DCCU) is the slightly better choice due to its generally more stable app experience, despite some recent issues, while First Community CU (FCCU) struggles with frequent crashes and outages.

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

Delta Community Credit Union (DCCU) and First Community CU (FCCU) both offer free mobile banking apps with similar core functionalities. While both apps face criticism for slowness and occasional bugs, DCCU appears to have a more reliable app overall, with FCCU users reporting more frequent and severe crashing and downtime.

Head to head

Features tieR3R7R9R13
Delta Community Credit Union Delta Community Credit Union's app allows for mobile deposits, bill pay, and transfers, with users appreciating the convenience of checking accounts and paying bills . However, some users report issues with mobile deposit camera functionality R13R15, slow transfers from external banks R3R7, and limitations on Zelle transfers . There are also requests for features like dark mode and auto-pay from outside banks R9.
First Community CU (MO) First Community CU's app enables users to perform all banking functions from their phone, including bill pay . Users desire more detailed loan account information and the ability to nickname accounts . Some find the bill pay interface complicated after updates and struggle with external transfers R61. A common complaint is the lack of a search function for transactions .
Ease of Use tieR1R4R5R6
Delta Community Credit Union Many Delta Community Credit Union users find the app easy to access, simple, and navigable R5. However, some recent updates have made the interface slower and visually complicated . Users also complain about the exit icon being hard to find R1 and the persistent prompts to review the app R4R6.
First Community CU (MO) First Community CU users generally find the app easily navigable and appreciate the layout and readability . However, some find the app not always intuitive and the new update less user-friendly, especially for bill pay . The app also has issues with notifications not clearing and a lack of color coding for transactions, making them hard to find .
Reliability edge: Delta Community Credit UnionR10R13R15R27
Delta Community Credit Union Delta Community Credit Union's app has significant reliability issues, with users reporting it is constantly delayed R10, slow after logging in , and frequently crashes or fails to open R27R31R33. Mobile deposit camera functionality is also problematic for some R13R15, and the app is described as 'dated' .
First Community CU (MO) First Community CU's app suffers from severe reliability problems, including frequent freezing R61, crashing upon opening , and being down for maintenance for extended periods . Users often have to uninstall and reinstall to fix issues . Transfers are also reported to be slow or delayed .
Price/Value tieR2R8R11R14
Delta Community Credit Union Delta Community Credit Union is free to download and users generally express satisfaction with the credit union itself, often citing long-term membership and good service R2R8R11R14. However, some new account holders find the rules for initial banking restrictive .
First Community CU (MO) First Community CU is free to download, and many users praise the credit union's service, employees, and long-standing positive experiences . Some users mention getting good loan or credit card rates . However, there are complaints about the bank's policies, such as not offering 2-day early payday and issues with loan handling .
Support tieR7R8R11R34
Delta Community Credit Union Delta Community Credit Union members appreciate the support from customer service R8R11. However, some users feel they are not treated well despite long-term membership R7 and express frustration with financing decisions R34.
First Community CU (MO) First Community CU users frequently praise the exceptional help and pleasant employees . However, some report no answer when calling for help and zero help from tech support for app issues .
Pick Delta Community Credit Union if

You prioritize a generally more stable app experience, even with some reported slowness and occasional crashes R27R31. You are comfortable with the app's current interface and don't mind persistent review prompts R4.

Pick First Community CU (MO) if

You value excellent in-person customer service and a credit union with a strong community reputation . You are willing to tolerate frequent app crashes, outages, and the need to reinstall the app .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent negative reviews for both apps largely focus on app performance and stability, which is consistent with the overall lifetime ratings being high, as many users are reviewing the credit union itself rather than just the app.

Frequently asked

Do these apps support mobile check deposits?
Delta Community Credit Union's app supports mobile check deposits, but some users have experienced issues with the camera function, where the screen goes black or the app cannot access the camera permissions R13R15.
Are there issues with transfers in these apps?
Yes, both apps have reported issues with transfers; Delta Community Credit Union users complain about transfers from other financial institutions taking too long to post R3R7 and occasional failures to transfer money between accounts R35, while First Community CU users report difficulties with external transfers R61 and delays in money transferring to their account .
Do these apps frequently crash or have downtime?
Delta Community Credit Union's app is reported to be constantly delayed, slow, and frequently crashes or is unable to open R10R27R31R33, while First Community CU's app has more severe and frequent issues, with users reporting it freezes, crashes upon opening, and is down for maintenance for extended periods, sometimes for a full week R61.

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. [R3] Delta Community Credit Union 3/5 · US Transfers into DCCU: It takes too long for money that is being transferred from other financial institutions to post to my DCCU account!
  2. [R7] Delta Community Credit Union 1/5 · US Takes way too long for a deposit to post: I sent a direct transfer from my other bank. Those funds left my account late last week (ergo DCCU had them since then) yet no sign of my deposit until late today. Unacceptable. I’ve been a member since 1986. Treat me better than that!
  3. [R9] Delta Community Credit Union 3/5 · US Should allow autopay from outside bank: It should allow me to set up auto withdrawal from the external bank to pay for my loan.
  4. [R13] Delta Community Credit Union 1/5 · US Check deposit app: I take a pic of the front of the check and then screen goes black and I have to close the app
  5. [R1] Delta Community Credit Union 1/5 · US Exiting the app: Why do you have to take several steps to get to the exit icon. That should be on the upper right of the home screen.
  6. [R4] Delta Community Credit Union 1/5 · US Review: Please stop asking me to review
  7. [R5] Delta Community Credit Union 5/5 · US Great: I love everything about Delta easy to access and not complicated
  8. [R6] Delta Community Credit Union 3/5 · US Bugging me: I’m only writing this review because you all keep prompting me to do a review every time I open the app
  9. [R10] Delta Community Credit Union 1/5 · US Improvement needed: This app needs major improvements. It is constantly delayed. And just not very current.
  10. [R15] Delta Community Credit Union 3/5 · US Recent bug fix messed with my camera: The recent bug fix must have done something to disable my phones camera from taking a picture because it says you have to grant the app permission, but there’s no way in my phone’s settings to give it permission to use the camera. I tried reinstalling the app, but I still can’t make a mobile deposit because the camera won’t work with the app anymore. Used to b
  11. [R27] Delta Community Credit Union 3/5 · US Unable to access: Sooo many times I’m unable to open the app. Just the blank turquoise page with the logo. Deposit day seems to prevent transfers on all accounts. This is very annoying and yes-my app is updated!
  12. [R2] Delta Community Credit Union 5/5 · US Love it: Love them
  13. [R8] Delta Community Credit Union 5/5 · US Bank: Been with DCCU for several years and love the convenience and support from CS.
  14. [R11] Delta Community Credit Union 5/5 · US Holding me down for over a decade.: DCCU has been by my side for so many life changes and I’m so grateful for their support in that.
  15. [R14] Delta Community Credit Union 4/5 · US Sheca: Great service and great people
  16. [R34] Delta Community Credit Union 5/5 · US Loan: They want give me a loan must have to have A1 credit
  17. [R35] Delta Community Credit Union 1/5 · US Dude: It won’t transfer my saving money to my checking account.
  18. [R61] 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.
  19. [R31] Delta Community Credit Union 1/5 · US Constantly Crashing or Unable to Open: Would love this app for its convenience if it didn’t crash all the time. It’s consistent in either never opening or crashing and kicking you out of the app completely when you log in.
  20. [R33] Delta Community Credit Union 1/5 · US No happy with this app: Extremely slow and crash constantly

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