# Lōkahi Federal Credit Union — user reviews > 58 indexed App Store user reviews of Lōkahi Federal Credit Union by Hickam Federal Credit Union, rated 4.77/5 from 2,606 ratings. - Source: https://appshunter.io/ios/app/lokahi-federal-credit-union/id991871546/reviews - App overview in markdown: https://appshunter.io/ios/app/lokahi-federal-credit-union/id991871546.md - Rating breakdown: 5★ 2,123 · 4★ 165 · 3★ 58 · 2★ 22 · 1★ 52 ## What do users think of Lōkahi Federal Credit Union? Overall sentiment: neutral **Pros** - 👍 Convenient - 👍 Easy to use - 👍 Great app - 👍 Awesome services **Cons** - 🐛 Frequent errors and app crashes - 🙄 Annoying UI elements - 🔒 Security issues with login and verification - 🤯 Inconsistent app performance **Commonly reported bugs** - Login issues, especially with biometric authentication - Frequent app crashes and downtime - Inconsistent account balances and transaction history **Most requested features** - Ability to deposit checks via the app - Fingerprint/Face ID login - Improved account management and linking - Customizable transaction history and bill pay ## Newest reviews (13 of 58) ### 3/5 — Security and PW problems *2026-05-29, version 25.2.0* Weird activity on account from time to time. Always have to reset PW. When resetting PW, it won’t save and be inputted upon Face ID. And have to log in manually. Very annoying. ### 2/5 — Logging on *2026-03-09, version 25.1.2* Constant Issue with logging in. Even with facial recognition enabled the site states user or pw is wrong. Would change pw to gain access but same error message occurs ### 2/5 — Annoying banner *2025-03-11, version 23.2.2* Upon logging in that annoying lengthy banner on the top is so useless. You should have something that says alert and then a drop-down to that message. I have to scroll all the way down just to view my accounts. Also, it is super annoying to have to verify via text message or a phone call just to use the bill pay feature. Also, you need to update the finance section where you can link other accounts. It consistently keeps crashing. Lōkahi, you have some work to do to bring this app current. ### 2/5 — App Not Working *2024-08-09, version 23.2.0* I can’t log into my account through the app. ### 3/5 — Still down *2024-07-30, version 23.2.0* Fingerprint scanner still doesn’t work….. ### 4/5 — Okay *2024-07-20, version 23.2.0* Sometimes the app is slow or acting up. ### 3/5 — HDCU Directory *2024-01-07, version 21.1.31* Had problems contacting front desk! The directory guided me everywhere except front clerk. I couldn’t setup my PIN using mobile app! ### 2/5 — Logging in *2023-02-11, version 21.1.31* It would be fine if facial recognition wouldn’t stop working every third time I log in causing me to remember my 700th 16 character password that requires 2 upper case 1 lower case and a special symbol that can only be ¥, {, /, or £. ### 4/5 — Keep improving *2021-11-20, version 21.1.31* Good and they keep improving — but, we should get a notification we’re low/overdraft close. If you have an OD getting an extra fee isn’t cool. ### 4/5 — Great! *2021-09-23, version 21.1.31* The new app is awesome! Enjoying it very much. Thank you for the update HCU. ### 3/5 — Fix problem please *2021-02-26, version 20.2.50* I love using this app to do my banking and to view my statements. But lately roughly about 3 or 3 months, I can’t log in. A notice would pop up saying to call 2 different numbers to get access to your account. I have no problem logging in on the main website, but on the app I can’t login. Which is strange because when I called the number that popped up, it called a hickam bank and got me a real person. I don’t remember her name already but I mentioned that I couldn’t login on the app, she said that the app has been down for quite some time for some reason. She said it was supposed to be up and running by the end of January but it’s past that and still isn’t letting me login. I will change my rating status after this problem has been solved and I can use the app freely like before. ### 2/5 — ASB is better *2020-04-29, version 19.3.20* Deposit check requires to call bank to add feature. ASB does not. Deposit does not prompt specific words to write on the back of check. If you do not do this, deposit gets declined and you receive calls from FCU. ASB already has a prompt as you take your photo so you do not make this mistake. The back and forth between client and the bank is annoying. ### 2/5 — Update the app and fix the bugs please *2020-04-27, version 19.3.20* Not user friendly. Constantly having to log in on the computer and then I’m able to log in to the mobile. Then multiple times the app is down and doesn’t show any pending accounts. ## Most critical reviews (10 lowest-rated) ### 1/5 — Error *2025-03-23, version 23.2.2* Error is always occurring, yet management is always working on the issue so they say… will be changing bank very soon because of these reoccurring errors… I just want to check my account jeezs… ### 1/5 — horrible. *2024-08-09, version 23.2.0* this bank is perfectly fine, but it’s the app that bothers me. the amount of times the app has been down and i haven’t been able to access my bank is insane. ### 1/5 — App Update Broken Login with FaceID *2024-07-23, version 23.2.0* I am no longer able to log in using the FaceID credentials. I was able to do this for the past 4 years. This device is registered, and logging in is now a hassle. Thanks a lot. ### 1/5 — APP ISSUES *2024-01-18, version 21.1.31* It’s difficult working on the app. It gives me error and no feedback to solve it. ### 1/5 — Payments *2021-11-05* The payment options don’t even show how much we have to pay like how used to… ### 1/5 — The bar has been set very low *2021-10-09, version 21.1.31* Everything I try to do with this bank frustrates me. I should have chosen another lender for our loan. Customer service has been painful to deal with. If you don’t do regular banking with them, loan payments are nearly impossible from another bank. There is no convenience, the mobile daily deposit limits are super low, mobile deposits are rejected for certain types of checks. Their website doesn’t have a link to their app so I didn’t even know they had one for about 6 months. We received a call from their customer service agent asking for DOB & SSN before they would tell us why they were calling (um, not giving you that over the phone, scammer….so I called them AND THEY SAID YES THEY HAD JUST CALLED). Definitely felt like a sketchy scammer call, not one I would get from a financial institution that I trust with my money. The website user interface is not intuitive - to be fair it did just get an upgrade. The mailed letters I have received contain spelling errors. ### 1/5 — App update *2021-10-04, version 21.1.31* The new update is horrible. The app constantly crashes and the transactions are now way more confusing :) I would rate it 0 stars if it was possible. ### 1/5 — It’s inconsistent *2019-10-16, version 19.1.201* It works when it wants to. For some reason every so often it denies my sign in credentials and I can’t login on the app. But using the same login I’ve been using on the website it works fine. It’s very frustrating when this happens. ### 1/5 — Annoying *2019-02-13, version 18.3.80* Will not allow me to make a payment over $300. ### 1/5 — Very selective work time *2019-01-23, version 18.3.80* Offers Touch ID but have no idea why. It doesn’t work!! I’m frustrated. I understand the safety feature of answering questions, but all the time? This app takes shifts, working when it likes but usually takes off. Disappointed. Supposed to be convenient. ## Most praised reviews (10 highest-rated) ### 5/5 — Good E-Bank App *2026-03-20, version 25.1.2* Does a decent job of e-banking. I like the security of the text message when a charge drafts from my account. And being able to schedule foreign travel ### 5/5 — First experience *2026-01-30, version 25.1.2* It’s great from the app to the branches to the people that are working for this CU ### 5/5 — Convenient *2025-09-24, version 23.2.3* Awesome services ### 5/5 — Easy *2024-03-12, version 21.1.31* That was easy. ### 5/5 — Comment *2023-10-28, version 21.1.31* Very easy to work with and people are very caring! ### 5/5 — Lia *2023-04-25, version 21.1.31* Awesome! ### 5/5 — Thank you Hickam!!! *2023-03-17, version 21.1.31* So easy to used the app. I love it. ### 5/5 — Michael Eshleman *2022-11-09, version 21.1.31* It had a problem this far. The 800 number helped alleviate issues registering. The app seems to be working fine and it’s both a relief for myself and for your representatives, because I don’t have to call anymore to make a transfer. ### 5/5 — Great App *2021-12-29, version 21.1.31* Great app easy to use ### 5/5 — Hfcu pearl city staff *2021-12-11, version 21.1.31* The staff is so helpful & sensitive to the members situation. To name a few, Disse, Cynthia & Sara. They’re professionalism was outstanding. They take the time to explain certain things & give sound solid advice. I’ll always remember the respect, privacy & willingness to help me when my father passed. Mahalo --- *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 2026-08-24.*