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

SC Federal Credit Union vs Coastal Credit Union

SC Federal Credit Union 4.8★ · Free to download 65
Winner Coastal Credit Union
Coastal Credit Union 4.8★ · Free to download 70

Coastal Credit Union (App B) has a slight edge due to generally better app functionality and fewer critical issues with login and biometrics, despite both apps receiving recent negative feedback regarding updates.

Full reviews: SC Federal Credit Union · Coastal Credit Union

Both SC Federal Credit Union and Coastal Credit Union apps have recently undergone updates that have led to significant user frustration, particularly with login issues, biometric failures, and performance problems. While SC Federal users report more consistent and severe login and speed issues, Coastal users also face challenges with mobile deposits and occasional app unreliability.

Head to head

Features tieR6R9R12R21
SC Federal Credit Union SC Federal users appreciate features like easy check deposits and transfers, with some finding the app makes banking easier R23. However, recent updates have led to complaints about bill pay not working, inability to see credit card/loan details, and a cluttered interface with too many buttons R9R21. Some users miss features like dark mode and the ability to rearrange accounts R6R12.
Coastal Credit Union Coastal Credit Union users generally find the app has all the features they need, including easy transfers and Zelle . However, recent updates have removed the ability to make remote deposits to business accounts for some users and introduced annoying ads above account balances . There are also requests for a dark mode .
Ease of Use tieR2R4R6R7
SC Federal Credit Union SC Federal users are divided, with some finding the app easy to use and navigate R2. However, a significant number of recent reviews highlight issues with the new update, describing it as slow, difficult, and having too many buttons R4R6R21R30. Users also report problems with the app not working horizontally on iPads and tiny fonts R7.
Coastal Credit Union Coastal Credit Union users often describe their app as user-friendly and easy to navigate . However, recent updates have introduced issues like a bloated interface with unwanted widgets, making users scroll excessively . Some users also find the new format harder to look at compared to the old one .
Reliability edge: Coastal Credit UnionR4R6R7R12
SC Federal Credit Union SC Federal's app suffers from significant reliability issues, particularly with login and biometrics. Users frequently report Face ID and Touch ID not working, requiring repeated password entries and two-factor authentication codes R4R7R12R13. The app is also described as slow, inconsistent, and prone to freezing or not opening R6R13R30. Some users experienced mortgage payment issues after a system upgrade .
Coastal Credit Union Coastal Credit Union's app also has reliability problems, with users reporting it can be slow, crash frequently, or not function properly . Mobile check deposit is a common pain point, often requiring multiple attempts or crashing the app R75R76. Login issues, including problems with two-factor authentication and being locked out, are also reported .
Price/Value edge: Coastal Credit UnionR3R5R8R11
SC Federal Credit Union SC Federal Credit Union is praised for being a great credit union that treats members like family and offers good service, often preferred over 'big banks' R5R8R11. However, some users complain about excessive fees, including unwarranted fines on money market accounts R3.
Coastal Credit Union Coastal Credit Union is highly valued by its members, with many long-term customers praising its reliability, kind staff, and excellent service . Users appreciate the absence of hidden fees .
Support tieR1R10R44R55
SC Federal Credit Union SC Federal Credit Union receives positive feedback for its customer service, with specific mentions of helpful and patient staff R10R44R55. However, one user found the customer service almost as bad as the app R1.
Coastal Credit Union Coastal Credit Union is noted for its kind staff and good service . Users appreciate the availability of a chat box with short wait times and the ability to call customer support for help . However, some users report that customer service is not available in the evenings or on weekends, making it difficult to reset passwords .
Pick SC Federal Credit Union if

You prioritize in-person service and a credit union that feels like family, and are willing to tolerate significant app frustrations, especially with login and speed R44R55.

Pick Coastal Credit Union if

You need an app with generally better overall functionality, despite occasional slowness and mobile deposit issues, and value a credit union with a long history of reliable service and no hidden fees .

Evidence note: Both apps have recent negative reviews heavily skewed by new updates, making it challenging to reconcile with high lifetime ratings. The free-to-download nature means many negative reviews stem from friction with app functionality rather than cost.

Frequently asked

Are the apps reliable for logging in?
Both apps have significant issues with login reliability, particularly after recent updates. SC Federal users frequently report Face ID and Touch ID failures, requiring repeated manual password entries and two-factor authentication codes R4R7R13R19. Coastal Credit Union users also experience login problems, including being locked out and issues with two-factor authentication .
How do the apps handle mobile check deposits?
SC Federal Credit Union users generally find mobile check deposits easy and convenient R23, though some have experienced glitches like the app saying two pictures of the front are being taken R45. Coastal Credit Union's mobile deposit feature is a major source of frustration for users, frequently described as finicky, unresponsive, and prone to crashing, often requiring multiple attempts or leading users to deposit checks in person R75R76.
Do the apps have performance issues?
Yes, both apps have reported performance issues, especially after recent updates. SC Federal's app is frequently described as very slow and lagging R6R30R31R40. Coastal Credit Union's app can also be slow, with some users comparing its speed to dial-up and reporting that it takes up to 15 seconds to open 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. [R6] SC Federal Credit Union 3/5 · US Old app better: Moves very slow. Very slow. I would like to be able to rearrange my accounts. I make a lot of internal transfers.
  2. [R9] SC Federal Credit Union 3/5 · US Bill pay: Bill pay is not working properly. I've tried several times to set up billpay to send payment to South State Bank cant get it to load. Now bill pay wont even pull up.
  3. [R12] SC Federal Credit Union 3/5 · US Bring back dark mode: I have biometrics turned on and it still won’t ever log me in with my Face ID. Please fix!
  4. [R21] SC Federal Credit Union 3/5 · US Buttons: This app has too many buttons.
  5. [R2] SC Federal Credit Union 5/5 · US Easy: Great to have this app
  6. [R4] SC Federal Credit Union 1/5 · US Difficult: I have had so much trouble logging into my Account. I have had to change my password twice. One problem is when you enter your password the first time they don't allow you to see what you're entering. I am going to try one more time to get into my account with the third password. I can only hope that it will work
  7. [R7] SC Federal Credit Union 1/5 · US Terrible: Things forget my login and passwords, let alone my Face ID. Not sure why I have to on my 12.9” IPad I have to view everything in portrait? I’m sticking to online banking via this till someone figures out a better way. Not worth it.
  8. [R3] SC Federal Credit Union 3/5 · US Fees: Too many! This bank has more fees than others and needs to help their clients instead of hurting them.
  9. [R5] SC Federal Credit Union 5/5 · US Love the App: Love the App and the Bank
  10. [R8] SC Federal Credit Union 5/5 · US Great!!: Love this credit union!!!
  11. [R11] SC Federal Credit Union 5/5 · US Great Servi e: Great Service
  12. [R1] SC Federal Credit Union 1/5 · US Terrible: The app is almost as bad as the customer service.
  13. [R10] SC Federal Credit Union 2/5 · US Customer satisfaction: Tamia was and always is very helpful and patient
  14. [R44] SC Federal Credit Union 5/5 · US Exceptional Customer Service: I don’t live close to a branch and I was in goose creek and was having trouble with my ATM Card so this sweet young lady calls me into her office and she’s helping me her name is Mary Grace and she’s a diamond that shines bright in that branch. She gave me her business card so if I’m having any banking business to do I can call her directly. Mary Grace you are my fri
  15. [R55] SC Federal Credit Union 5/5 · US Always so easy: I enjoy having an account with SC Federal Credit Union.. They are so kind and helpful.
  16. [R13] SC Federal Credit Union 1/5 · US Log in issues: The app is very inconsistent. I can’t tell a rhyme or reason why, but sometimes it will let me log in and other times it won’t, even with repeated attempts. I go through the 2-factor authentication then it just takes me right back to the log in screen. This update was a step back.
  17. [R19] SC Federal Credit Union 1/5 · US Fix your app: Fix your frustrating app. Have to use my password and text message code every freaking time. Y’all’s IT department is useless
  18. [R23] SC Federal Credit Union 5/5 · US Deposits: This Credit Union is making things easier for us to do. Such as depositing your check, you don’t have to take it to the bank. You don’t have to give it to the teller. You don’t have to use the machine deposit your check take two pictures. And done that easy that’s great.
  19. [R45] SC Federal Credit Union 3/5 · US Was good, but is glitching: I used to like this app but lately it has been having several issues. The check deposit option says I am taking two pictures of the front when one is the front and one is the back. Also, the keyboard has been having issues. I wish the corrections would roll out, but for a banking app it has all the needed features. I honestly just prefer calling to get things done becau
  20. [R75] Coastal Credit Union 3/5 · US Mobile deposits: I love working with Coastal and the fact that it’s not one of these huge national for profit banks. However, their mobile app leaves much to be desired, particularly when it comes to depositing a check. Over the course of several different, smart phones with increasingly better cameras, the check capture photography often times does not work to the point of frustration. Need to ge
  21. [R76] Coastal Credit Union 1/5 · US Check deposit: This is SOOOOO frustrating and does not work. I want to save time and coastal credit union adds more stress and wastes time 2026 i am leaving you toxic folks behind!
  22. [R30] SC Federal Credit Union 3/5 · US too slow. change it back.: this new update is garbage. i’ve been using the app for at least 6 years and it has never been SO SLOW. does it still do the job? sure, if you wanted the job done poorly. there’s too much going on, you can’t turn on dark mode, one tap takes a whopping 5 seconds to process, and everything is a nightmare.
  23. [R31] SC Federal Credit Union 1/5 · US New update: New update is soooooo slow, and makes me send codes to my phone every time I need to get into the app. It’s literally the worst update. The old one was definitely better and easier to manage on.
  24. [R40] SC Federal Credit Union 1/5 · US Don’t Like: App very slow seems out dated

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