# UT Federal Credit Union — user reviews > 86 indexed App Store user reviews of UT Federal Credit Union by UT Federal Credit Union, rated 4.80/5 from 1,815 ratings. - Source: https://appshunter.io/ios/app/ut-federal-credit-union/id449931213/reviews - App overview in markdown: https://appshunter.io/ios/app/ut-federal-credit-union/id449931213.md - Rating breakdown: 5★ 1,594 · 4★ 167 · 3★ 22 · 2★ 15 · 1★ 17 ## What do users think of UT Federal Credit Union? Overall sentiment: positive **Pros** - 👍 Easy to use - 🚀 Convenient banking - 💡 Helpful features - 🔒 Secure banking - 👍 User-friendly interface - 👍 Great customer service **Cons** - 🐛 Occasional login issues - 🐛 Slow loading times - 🔒 Frequent security checks - 🔍 Disorganized menu **Commonly reported bugs** - Unexpected error messages - Frequent app crashes - Incompatibility with newer devices **Most requested features** - Mobile check deposit from photo library - Branch locator feature - Improved check payment tracking ## Newest reviews (17 of 86) ### 5/5 — Good app *2023-01-12, version 6.0.5724* I’ve used the UTFCU app for years & have never had any problems with it. ### 5/5 — Rate the app *2022-12-30, version 6.0.5724* Read complete App really makes it to get your checking Account balance quickly!👍 ### 5/5 — Great app! *2022-12-16, version 6.0.5724* Love this app! Very user friendly! ### 5/5 — UTFCU *2022-12-13, version 6.0.5724* Very intuitive commands and logically organized ### 5/5 — Easy to navigate *2022-11-27, version 6.0.5724* I always use the app it’s easy to navigate. ### 5/5 — A solid bank *2022-11-14, version 6.0.5724* Been an owner since college, even though I live in Georgia. Always helpful and easy banking tools. Go Vols ### 5/5 — Great rates! *2022-11-04, version 6.0.5724* Glad to be part of a credit union. Better for consumers. ### 5/5 — Ok *2022-11-02, version 6.0.5724* Before you did your last upgrade auto correct was active in the Memo section under transfers and now it’s not. ### 4/5 — Very Good but could be improved *2022-11-02, version 6.0.5724* The layout is nice and the interface is easy. One downside is that sometimes the loading page just keeps loading and the account page doesn’t appear. But that happens like once in a blue moon. Wish it didn’t tho! Overall very good ### 5/5 — Happy with app *2022-11-02, version 6.0.5724* This app provides me with all of the abilities that I currently want to be able to accomplish. ### 5/5 — Mobile Banking *2022-11-01, version 6.0.5724* I am older and I hate to admit my mind does not work like it use to! Thank you so much for the attention you give your customers, young or old! June Melton ### 5/5 — Not bad *2022-10-26, version 6.0.5724* The app is good, but it could be more user friendly. ### 5/5 — UT Federal Union APP *2022-10-26, version 6.0.5724* This APP is so great it allows me to bank from across the US. I haven’t found a better bank or credit union in my area in the 6 years since I moved. ### 5/5 — Easy to navigate *2022-10-21, version 6.0.5724* Very easy and up to date ### 5/5 — UTFCU *2022-10-21, version 6.0.5724* UTFCU has always been great, professional, helpful & courteous. Love them! ### 5/5 — UTFCU app *2022-10-20, version 6.0.5724* Great app!! ### 5/5 — Best bank I’ve used. *2022-10-16, version 6.0.5724* Courteous staff when i’m face to face and s trusty app when i’m not. ## Most critical reviews (10 lowest-rated) ### 1/5 — Very buggy with poor customer service *2022-08-10, version 6.0.5722* Much like the bank itself ### 1/5 — Have to authorize access almost every time *2020-10-09, version 6.0.5605* Extra step almost every time I check the account because the system doesn’t remember my devices. None of my other financial accounts require authorization as often as this site Update - still same problem and times out while still using the app ### 2/5 — Inconvenient App *2025-07-20, version 7.1.0* I cannot see my business account along with my personal account. I have to log out of one to get into another. It’s annoying. ### 2/5 — Lots of problems *2020-08-10* 1) when your conversion was done you added every account into one (if their name was on an account, it got added together) this is NOT APPROPRIATE). 2) I called about just putting my open-end loan and credit card together. The woman ( NOT LADY) told me that I wasn’t going to get anything until I got the $1200 dollar house payment off my credit report. ( I can’t do that for about 25 years) Then she got mad because I only keep $5 in my checking account so she set up an auto payment to pay my open-end loan without asking or telling me that she was setting this up) I had never missed a payment. If she had bothered to look she would have seen that there was over $25,000 in my wife’s savings account. This messed me up - I would make a payment and then the computer would make another one. I’m really concerned about this since I had not missed a payment and in any case I should have at least been told she was going to do it. 3) The “old times” requirement that a “primary member (state employee) must be on every account of spouse and children. I’m 68 years old and was in credit unions and banks as President for 38 years. I don’t need or want someone to check my account. We have children that are 34, 38,43,49 and they don’t need her looking at their account so they joined TVA Credit Union. I’ve given you 3 names including the nickname on my account. I don’t know what you want. My guess is you don’t want to know anything more than what you already think you know. 4) I’m very likely to join my children if somethings don’t change. If the woman in your loan department treats everyone like she did me, I’m bewildered that you have a single member! There are other things to complain about but I’m tired of writing because I know that nothing will change. My name is Steve Riden if you want to know - but probably don’t. ### 2/5 — This app used to be really great. *2020-04-11, version 6.0.5414* I’ve been a long time user of this app and business, but in these last six months it crashes a lot and takes several minutes to initially load accounts. Something has happened to slow the performance of the app. ### 3/5 — Happy with application other than the log in process has gotten unbearably slow *2023-10-22, version 7.0.1* This app provides me with all of the abilities that I currently want to be able to accomplish. ### 3/5 — Ups and downs *2022-10-15, version 6.0.5724* The app is awesome for moving ur money and for paying bills and keeping up with ur account transactions! But this app is horrible for locking you out and needs improvement otherwise it’s a good app! ### 3/5 — Issues *2022-09-29, version 6.0.5722* As of the last few weeks, the app has been requiring a Secure Access Code every time my husband and I access the app despite selecting “Register Device!” Very frustrating! Please fix this! ### 3/5 — Functional *2020-08-27* There are lots of great things on here, but the menu is disorganized. Also, the function I would use the most isn’t on here at all. There’s no “branch near me” function. It’s really nice to be able to go to the closest open branch without having to do several minutes of internet research. ### 4/5 — Better than most *2023-03-30, version 6.0.5724* Good friendly people. Honest. ## Most praised reviews (10 highest-rated) ### 5/5 — Love This App *2024-04-30, version 7.1.0* I Love It Make It Easy To Use Abs Transfer Money From Account To Account With No Problem Also Easy As 123 ### 5/5 — Review *2023-05-18, version 7.0.1* Just takes a little getting use too but seems to be updating faster I like knowing what is available. ### 5/5 — Great Credit Union with the best employees!! *2023-04-28, version 6.0.5724* Excellent App supported by a personable, knowledgeable, professional employees…who have excellent customer service skills. Kudos to UTFCU for a job well done! ### 5/5 — User friendly *2023-04-22, version 6.0.5724* This app is easy to use. I like it! ### 5/5 — Very user friendly *2023-04-18, version 6.0.5724* Highly recommended ### 5/5 — Great service, user friendly app, highly recommend *2023-03-22, version 6.0.5724* App features are inclusive and easy to use. I am able to do all my banking and checking online and never need to go into a physical location ### 5/5 — Great *2023-02-18, version 6.0.5724* Work’s really well about all the time,recently had a fraudulent charge to my account squared away very quickly , you guys are great. ### 5/5 — Review *2023-02-15, version 6.0.5724* The app is helpful and easy to navigate ### 5/5 — So easy to navigate!! *2023-02-01, version 6.0.5724* So easy to navigate!! Wish all businesses were this easy. ### 5/5 — Easy to Use *2023-01-31, version 6.0.5724* This app is so convenient and easy to use especially compared to several other banking apps. Thanks! --- *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 2026-09-02.*