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

SC Federal Credit Union vs SFCU CU-Online

SC Federal Credit Union 4.8★ · Free to download 55
Winner SFCU CU-Online
SFCU CU-Online 4.8★ · Free to download 80

SFCU CU-Online (App B) is the better choice due to its more consistent performance, easier login, and reliable mobile deposit features, despite some users noting a lack of advanced features.

Full reviews: SC Federal Credit Union · SFCU CU-Online

SC Federal Credit Union (App A) struggles with recent updates, leading to frequent login issues, slow performance, and broken features. SFCU CU-Online (App B) generally offers a more stable and user-friendly experience, with reliable mobile deposits and good customer support, though some users desire more advanced features.

Head to head

Ease of Use & Interface edge: SFCU CU-OnlineR6R21R24R30
SC Federal Credit Union Many users find SC Federal Credit Union's updated app slow, difficult to navigate, and cluttered with too many buttons R6R21R30R40. The new setup is disliked by several users R24.
SFCU CU-Online SFCU CU-Online is praised for its simple, clean, and easy-to-use interface . Users appreciate its streamlined design and user-friendly nature .
Login & Biometrics edge: SFCU CU-OnlineR4R7R12R13
SC Federal Credit Union SC Federal Credit Union users frequently report issues with logging in, including Face ID and Touch ID not working, requiring repeated password changes, and constant two-factor authentication codes R4R7R12R13.
SFCU CU-Online SFCU CU-Online generally offers easy login with Face ID . However, some users report the app stopped saving their username and a persistent pop-up about digital ID .
Features & Functionality edge: SFCU CU-OnlineR9R16R18R23
SC Federal Credit Union SC Federal Credit Union users report problems with bill pay not working R9, difficulty seeing more than two transactions or past months R18, and issues with credit card information display R16. While mobile deposit is available, some experience glitches R23R45.
SFCU CU-Online SFCU CU-Online users praise mobile deposit as a great and fast feature R98R109. However, some users report issues with Zelle , inability to lock cards , or difficulty making loan payments . There are also requests for push notifications and better budget tracking R109.
Reliability & Performance edge: SFCU CU-OnlineR6R13R16R22
SC Federal Credit Union SC Federal Credit Union's app is frequently described as slow, lagging, and inconsistent, with users experiencing crashes and the app not opening R6R30R31. The recent update is widely criticized for being a step backward R13R16R22.
SFCU CU-Online SFCU CU-Online is generally considered fast and flawless by many users . However, some users report intermittent issues, including the app not working, crashing, or getting booted off during check deposits .
Customer Service & Banking Experience edge: SFCU CU-OnlineR1R3R10R11
SC Federal Credit Union SC Federal Credit Union receives mixed reviews for customer service; some users praise helpful staff R10R11 while others criticize it as terrible R1R3. There are also complaints about fees R3 and issues with automated payments after system upgrades .
SFCU CU-Online SFCU CU-Online users consistently praise the credit union's customer service, both online and in person, describing staff as helpful, kind, and responsive .
Pick SC Federal Credit Union if

you are an existing SC Federal Credit Union member who has not experienced the recent app issues and values the bank's in-person service R11.

Pick SFCU CU-Online if

you prioritize a banking app with a generally stable performance, easy login, and reliable mobile deposit features, and appreciate strong customer support .

Evidence note: Both apps are free to download, so the free-vs-paid asymmetry rule is not applicable. SC Federal Credit Union (App A) has a significantly higher number of negative reviews related to recent updates, which heavily influenced its score despite a higher lifetime rating. SFCU CU-Online (App B) has fewer negative reviews and more consistent positive feedback regarding app functionality.

Frequently asked

Which app has better login reliability?
SFCU CU-Online (App B) offers better login reliability, with users praising easy Face ID access , while SC Federal Credit Union (App A) users frequently report issues with Face ID not working, requiring repeated password changes, and constant two-factor authentication R4R7R13R16.
Are mobile deposits reliable on these apps?
Mobile deposits are generally reliable and praised by users of SFCU CU-Online (App B) for being fast and easy R98R109, whereas SC Federal Credit Union (App A) users report some glitches with the feature R45 despite others finding it easy R23.
Which app performs faster?
SFCU CU-Online (App B) is generally described as fast and flawless , while SC Federal Credit Union (App A) is frequently criticized for being very slow and lagging, especially after recent updates R6R30R31R40.

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. [R21] SC Federal Credit Union 3/5 · US Buttons: This app has too many buttons.
  3. [R24] SC Federal Credit Union 3/5 · US Update: Don’t like the new set up
  4. [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.
  5. [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
  6. [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.
  7. [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!
  8. [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.
  9. [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.
  10. [R16] SC Federal Credit Union 2/5 · US New Update is horrible: Ever since the new update I can’t even log in more than half the time. It scans my face but never leaves the login page. I hate when you click on your credit card it takes you to all your cards and your debit card pops up first. You have to swipe to get to the card you need even though that’s the account you originally clicked on. It’s confusing.
  11. [R18] SC Federal Credit Union 3/5 · US Transactions: Would like to see more than 2 transactions. It would be nice to see last 3 months.
  12. [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.
  13. [R22] SC Federal Credit Union 1/5 · US HATE IT: I absolutely hate using this app for banking!!!! The worst update I’ve ever experienced. I am considering transferring everything to a different bank.
  14. [R1] SC Federal Credit Union 1/5 · US Terrible: The app is almost as bad as the customer service.
  15. [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.
  16. [R10] SC Federal Credit Union 2/5 · US Customer satisfaction: Tamia was and always is very helpful and patient
  17. [R11] SC Federal Credit Union 5/5 · US Great Servi e: Great Service
  18. [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
  19. [R98] SFCU CU-Online 5/5 · US Great app: Very easy to use. Mobile deposit feature is such a great thing now. Thank you
  20. [R109] SFCU CU-Online 4/5 · US sfcu Review: This app has made some great improvements from when it first came out. I would love to see the budget tracker updated as it’s not very user friendly and no real guidance on how to use it. The picture checks were a great update and really enjoy being able to see balance at a glance without having to log in.
  21. [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.
  22. [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