# SAFE Federal Credit Union — user reviews > 93 indexed App Store user reviews of SAFE Federal Credit Union by SAFE Federal Credit Union, rated 4.81/5 from 8,842 ratings. - Source: https://appshunter.io/ios/app/safe-federal-credit-union/id1472260509/reviews - App overview in markdown: https://appshunter.io/ios/app/safe-federal-credit-union/id1472260509.md - Rating breakdown: 5★ 6,900 · 4★ 457 · 3★ 111 · 2★ 41 · 1★ 172 ## What do users think of SAFE Federal Credit Union? Overall sentiment: neutral **Pros** - 👍 Excellent customer service - 💡 Convenient mobile app - 🚀 Smooth app performance - 🔒 Secure banking experience **Cons** - 🐛 Buggy app updates - ⏱️ Slow transaction processing - 💰 Unexpected fees - 🔍 Limited account visibility **Commonly reported bugs** - Login issues - Accounts not visible - Inability to transfer funds - Verification problems **Most requested features** - Zelle integration - Mobile check deposit - Improved bill pay system - Faster fund availability ## Newest reviews (16 of 93) ### 4/5 — Thanks *2026-08-07, version 2026.04.02* Love this bank ### 4/5 — Bill pay *2026-05-26, version 2026.01* The worse system to use @ safe since its inception, we get checks sent back half the time we use it, useless because it takes so much time to put it in the system. The idiocy of it all, is that they know it, I call and the reps say it's a bad system.... this is over many years now, I'm a member since 84. ### 2/5 — To slow crashes *2026-02-21, version 2025.10.1.2* The app is much slower than other banks and man the credit card 3rd party is annoying. It’s so slow to open, it crashes repeatedly. If you want to try to use your reward point you better set aside half your day to get to the 3rd party website. You would think a bank would have a state. Of the art website as your handling peoples money ### 5/5 — Love it *2026-01-28, version 2025.10.1.2* Best bank every ### 5/5 — Easy to Use *2025-12-31, version 2025.10.1.2* I use the Safe mobile app almost daily. So easy. Can navigate through with ease. ### 5/5 — Easy Peasy *2025-11-25, version 2025.7.2.1* Love how easily I can transfer my funds ### 5/5 — Mobile App *2025-07-10, version 2025.5.0.1* I love it!!! ### 4/5 — To much ‏ complication *2025-06-30, version 2025.2.2.3* Like for example, transferring money from account to account it’s not doing it. I don’t know. Why is it the app? Is there any technical issues or something else and other things not an easy one ### 2/5 — Pending direct deposit delay *2025-04-30, version 2025.2.2.3* Why do my social security check delay when it show ### 5/5 — Easy App *2025-04-24, version 2025.2.2.3* I love this App for ease of use, transfer money. ### 5/5 — Why I love safe bank *2024-12-26, version 2024.10.1.10* I’ve been working with safe since I was 18 years old, good people in all the branches ready and willing to help you ### 5/5 — Customer service *2024-12-22, version 2024.10.1.10* This bank is outstanding! My account was phished for a lot of money. They were extremely helpful and professional to help me through this process of the recovery of my money. ### 4/5 — Updates *2024-10-01, version 2024.4.0.10* Needs updated ### 5/5 — Great Service *2024-05-05, version 2024.1.0.2* Long time Customer and still happy ### 5/5 — Shonda *2024-04-24, version 2024.1.0.2* Convenient and easy to access and use. ### 4/5 — Would be great but *2024-03-19, version 2023.10.02* The transaction timing is horrible it seems to delay the amount of payments given out to the vendors or what have you call them. And it just seems that you may a little extra charges even though the clerks over the phone claim you don’t. It’s very frustrating when it seems you have an amount of money that you don’t have and it’s very frustrating when you are trying hard to accumulate money for a time. You all would be better if you could work on that as well as the fees being explained better by the app. Thank you ## Most critical reviews (10 lowest-rated) ### 1/5 — $10 fee every transaction????? *2025-04-10, version 2025.2.2.3* Shame that I chose to bank with you guys because of best rate but then charge $10 fee for every payment?????? ### 1/5 — Awful *2025-02-20, version 2024.10.1.10* App barely works and won’t let me in my account at all. ### 1/5 — Buggy *2024-11-17, version 2024.4.0.10* This app is convenient but barely works ### 1/5 — SAFE *2024-10-15, version 2024.4.0.10* App doesn’t open. Needs serious updates. Won’t load info. ### 1/5 — My account *2022-12-28, version 2022.9.1.11* I haven’t been able to access my account in weeks ### 1/5 — Loss of simplicity *2022-09-15, version 2021.11.0.36* Why can’t it just show my account like it used to. Now when I click on my CC it loads a webpage. Not needed ### 1/5 — It’s a thumbs down for me *2021-01-16, version 6.5.5.33* “Updated” version is trash. You literally have to be taken to the app & “update” the app each time you need to log into the app. It’s a major inconvenience & extremely aggravating to say that least. ### 1/5 — Sketchy *2020-09-29, version 6.4.1.31* Seems sketchy.. didn’t even send me the email to change my password. Not sure this is legit. ### 1/5 — TOUCH ID IS USELESS!!! *2020-07-22* I’ve spent many hours trying to figure out how to enable Touch ID for this app. There’s an option to turn TouchID on in the app settings, but it doesn’t work. Instead it refers you to your device settings. Touch ID can’t be enabled on device settings until it’s turned on in the app. So...there’s a “Catch 22” situation. I Googled this, looked at other SAFE sites, etc. No answer there either. Why is it so darn difficult to turn Touch ID on for this app??? ### 1/5 — Trashy New App *2020-07-02, version 6.3.1.30* For all the money this Bank makes and to have this crap App.......... if SAFE Federal has the money to build a new facility at least take care of your customers first and make this simple. I bet all the folks giving 5 stars has to be employees. 🤔 ## Most praised reviews (10 highest-rated) ### 5/5 — Great app! *2026-08-19, version 2026.04.02* This SAFE app is so easy to use and I’m able to do most anything I need to right here in the app! The only thing I wish you could do is deposit bigger checks. But other than that, I’m extremely satisfied with it ### 5/5 — I love my bank 👍🏿 *2026-07-21, version 2026.04.02* Thank you for your hard work ### 5/5 — App problems *2026-06-13, version 2026.01* Card lock feature is a mess transactions go thru regardless of funds with no overdraft protection on account bank is starting to suck been with yall for 26 yrs ridiculous ### 5/5 — Get a credit union *2026-06-10, version 2026.01* A great bank ### 5/5 — !!! *2026-06-03, version 2026.01* Great bank! ### 5/5 — Amazing Bank *2026-06-01, version 2026.01* We absolutely love Safe Federal! ### 5/5 — Excelente servicio *2026-05-25, version 2026.01* Carmen ### 5/5 — Easy App *2026-05-14, version 2026.01* I love this App for ease of use, No one needs to go to the bank. To transfer money. ### 5/5 — Lovely *2026-05-06, version 2026.01* Love the updates with updated balance & external transfers! ### 5/5 — Great bank *2026-04-22, version 2026.01* I love banking with safe federal credit union tgey are awesome --- *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 2026-09-11.*