# Beginnings Credit Union — user reviews > 86 indexed App Store user reviews of Beginnings Credit Union by Beginnings Credit Union, rated 4.30/5 from 3,370 ratings. - Source: https://appshunter.io/ios/app/beginnings-credit-union/id1612500929/reviews - App overview in markdown: https://appshunter.io/ios/app/beginnings-credit-union/id1612500929.md - Rating breakdown: 5★ 2,395 · 4★ 358 · 3★ 157 · 2★ 87 · 1★ 373 ## What do users think of Beginnings Credit Union? Overall sentiment: negative **Pros** - 👍 Excellent card management features - 🚀 Exciting new app with great potential **Cons** - 🐛 Buggy and rarely loads - 🤯 Clunky and difficult to use - 🔒 Frustrating login and security issues - 🔍 Missing basic account information - 🔀 Confusing transition from old app **Commonly reported bugs** - Login issues and password reset problems - Disappearing transfer accounts and bill pay - Blank screens and app crashes **Most requested features** - Ability to rotate screen on iPad - Restore mobile check deposit feature - Improve bill pay and transfer functionality - Integrate account balances and transaction history ## Newest reviews (12 of 86) ### 2/5 — Buggy app. *2025-12-05, version 2025.08.001* Buggy app. Does not fully work with business accounts. ### 1/5 — Absolutely worthless *2025-10-21, version 2025.07.001* I’ve been trying to access my account for over 2 weeks and although I’ve been able to log on, I haven’t been able to access ANY useful information. This site is as bad as the previous CFCU site. ### 1/5 — Primitive *2025-09-09, version 2025.07.001* In 2025 this has to be the most archaic primitive motile app as well as your website for online banking. To a point I am considering moving my accountants to bank for more accessible mobile in the banking. 2025 people don’t have time to go into a branch! ### 3/5 — Old program was fine. Easier and just as fast. *2025-08-07, version 2025.06.003* If it’s not broke don’t fix it ### 1/5 — Can’t even log in app doesn’t work *2025-08-01, version 2025.06.003* App doesn’t even work! Can’t even see what I have in my account for funds! The bank has and is the worst ### 1/5 — don’t update *2025-07-02, version 2025.05.004* The new app does not work ### 1/5 — Hard to find functionality and makes me log in over and over and over *2025-05-28, version 2025.05.001* Great credit union but lousy app, can’t believe it asked for feedback right after my session times out. Just before that it showed me a screen to consent to something where I saw some strange JSON instead of text. Hope my session doesn’t expire again while I am tapping this out. ### 1/5 — Poor priorities *2025-04-17, version 2024.04.400* CFCU is rolling out a new name when it already has problems with staff training in the current system. Rather than waste money on a new identity, put those resources in to better training staff to better serve its serve its customers. Who cares about a name if there is dismal service? ### 1/5 — App crash *2025-04-11, version 2024.04.400* App crashes sometimes and also don’t call something a courtesy pay when it’s almost $40. I’ll be changing banks soon. ### 1/5 — Needlessly bloated, forces guest to make an account for a loan payment *2025-03-28, version 2024.04.400* I used to be able to just sign in as a guest in the website and pay my loan with zero difficulty now I have to call in and make an account for a bank that I have Zero interest in using. ### 1/5 — Horrible customer service *2025-03-21, version 2024.04.400* Worst bank to have a loan with. They make it impossible to make/schedule your payments online. Stop switching platforms and withholding member acct information! ### 4/5 — Poor loan support for customers. *2025-03-14, version 2024.04.400* I have a car loan (since 2021). I do not keep money in a checking account with you due to the distance I now live away from a hard location. I have never experience such poor payment availability online or application related! You have no support that allows me to make a payment from an external account and you’ve now eliminated “REPAY” as an option. I will be refinancing my loan away from you. I will NEVER recommend to anyone else to use your CU, or use your services myself once that is completed. ## Most critical reviews (10 lowest-rated) ### 1/5 — Location tracking *2026-08-13, version 2026.04.001* App doesn’t let me in without granting access to my background location, that’s not legal, app doesn’t need my location, it violates privacy. ### 1/5 — You should definitely be ashamed of how you talked to us and how unprofessional you were. *2026-07-17, version 2025.08.001* We sent two pay off checks for two loans, so since you wouldn’t put those loans together in the first place, you made interest off two loans off us. Never again then we ask what we owe after you call us saying you got the check but couldn’t give me a balance because you jumped the gun on calling us before you had an amount we were under. So we sent almost $23,000 to pay off the loans and you treated us so bad over $134.90. I asked 4 people for an amount so I could pay it and everyone kept doing security verification with us over $134.90. I will share how we were treated with all my friends and family on social media. You messed up. My husband has a credit score that is in the 800’s we’re not beginners and if that’s how you treat people you won’t last long. This is why credit unions are awful and I cringed when I heard “Beginnings” to finance such beautiful sleds. If you don’t want this review maybe your president should reach out and refund the interest on one loan since you treat people badly and don’t even have you job done with a total before you call us being extremely rude becuz our pay off checks weren’t enough. $134.90 be ashamed. Jeffery & Marcie Williams. ### 1/5 — Won’t open *2026-06-08, version 2025.08.001* App won’t open.. giving me unexpected network error ? ### 1/5 — The worst banking app I’ve ever used. *2026-05-30, version 2025.08.001* I have been with CFCU for many years and never had a complaint. I worked there for a long time and helped members with app or website login problems. This new app is awful! So much so that I am considering taking my accounts elsewhere. EVERY TIME I log in I have to go through the verification process and receive a code before I can log in. I reached out to the call center for help, letting them know I’ve done all of the usual things to troubleshoot, she basically told me she couldn’t help. This used to be a Credit Union where people knew your name, they cared about their members… ever since Lisa took over it’s just about expanding and making herself more money… and trust me, I could air a lot of dirty laundry. What a let down. ### 1/5 — Terrible bank app *2026-04-24, version 2025.08.001* It frequently crashes, struggles with deposits and freezes randomly mid transaction crashing the app. It’s almost unusable. ### 1/5 — Very difficult to work with app *2026-04-06, version 2025.08.001* Not. Good choice ### 1/5 — But this is the worst app in the world *2026-03-23, version 2025.08.001* This is the worst app in the world always need sign in this app always ask the username and the password and every single time if I want to login if you want to pay online your loan or your payment usually it’s not work ### 1/5 — Genuinely terrible *2026-03-16, version 2025.08.001* Constantly down for maintenance, and openly admitting that card and account security functions are going to be down often. Even with them doing all this, the app is often glitchy and broken. It has not remembered my device for a week now, with me needing to enter a mobile code at least once a day despite clicking ‘remember device’ every time. Beginnings also takes days to process most transactions, including on weekdays. Which wouldn’t be a big issue except for the fact that they aren’t reflecting your payments on your balance until they are. Meaning that I have to manually keep track of my balance despite having an app that should be perfectly capable of doing it for me. ### 1/5 — Transfers *2026-01-25, version 2025.08.001* Slow transfers , old website wayyyyy faster ### 1/5 — Non compatible with different number formats other than US *2025-11-23, version 2025.08.001* The app fails to deposit a check when a non US number format is set on my IPhone (ios26.1) because it puts a , instead of an . as decimal separator, and there is no way to fix it. Changing th number format in settings on the phone does not help Very frustrating to have to set the phone in English and US region/number format to deposit a check. ## Most praised reviews (10 highest-rated) ### 5/5 — Easy to use *2026-06-23, version 2025.08.001* I love how easy it is to check and manage my accounts. Upload money and utilizing mobile deposits. I moved out of state a few years ago, having the app is vital and appreciated. The only thing I would change is notifications. They need to be simplified and easier to find. No charges should go through if there isn’t enough money in an account. A notification should go out when a transaction goes through, funds low, declined transactions due to not enough funds, etc… ### 5/5 — Love the App! *2026-05-23, version 2025.08.001* Easy to use- I can pay my loan, credit card, transfer easily - even cancel unwanted subscriptions! Thanks Beginnings! ### 5/5 — I love this *2026-01-30, version 2025.08.001* This app works great no issues ### 5/5 — Always there *2026-01-08, version 2025.08.001* Great online presence always improving the experience with great phone support. GREAT! ### 5/5 — App doesn’t work *2025-12-13, version 2025.08.001* I have a new iPhone 17 and it doesn’t work how disrespectful is that i don’t know what happened but I’ve unloaded it and reset the phone and app nothing what is wrong with it ### 5/5 — Clunky poorly designed user in her face. *2025-11-21, version 2025.08.001* Very cumbersome a lot of steps for simple tasks. The UI is brutally, ugly and difficult to navigate. ### 5/5 — great app with lots of features *2025-08-27, version 2025.06.003* lots of extras and super easy to use. ### 5/5 — Name *2025-08-27, version 2025.06.003* Still having a hard time with all the new name changes. I do like access on the app! ### 5/5 — Inconvenience *2024-12-10, version 2024.04.012* Won’t let me go into the app for some reason and that is a inconvenience for me ### 5/5 — Very frustrating trying sign in *2024-11-15, version 2024.04.010* I have to get a code every time that I am signing in. This new format is not very user friendly and I am frustrated with the time I have spent trying to use the app. The previous way of signing in and accessing accounts was much easier to use. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*