# Vicinity CU vs UCU Mobile

Vicinity CU and UCU Mobile both sit at 3.8 stars, but that hides the real split: 71% of Vicinity CU's written reviews are positive against 45% of UCU Mobile's. Vicinity CU also leads on update cadence (monthly vs every 3 months). UCU Mobile's advantage is monetization model (free vs ad-supported) and ratings volume (23 vs 4). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 3.8 for Vicinity CU against 3.6 for UCU Mobile. That said, the two scores are not equally well evidenced: UCU Mobile has 23 ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 71% of Vicinity CU's written reviews are positive against 45% of UCU Mobile's.

Vicinity CU ships an update monthly, UCU Mobile every 3 months. The most recent releases landed on September 26, 2026 and August 4, 2026 respectively.

## The numbers

| Metric | Vicinity CU | UCU Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (4 ratings)](https://appshunter.io/ios/app/vicinity-cu/id1119685507/reviews)** | [3.6 (23 ratings)](https://appshunter.io/ios/app/ucu-mobile/id1661835820/reviews) |
| Number of ratings | 4 | **23** |
| Positive reviews | **71.4% of reviews** | 45.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Ad-supported | **Free** |
| Size | 177 MB | 83 MB |
| Requires iOS | 16.0 | 16 |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Vicinity Credit Union](https://appshunter.io/developer/1119685506) | [United Credit Union, MO](https://appshunter.io/developer/1403921272) |

## What reviewers say

### Vicinity CU

[App page](https://appshunter.io/ios/app/vicinity-cu/id1119685507)

Manage your finances on the go with this mobile banking application. Check balances, move money between accounts, pay bills, and locate branches and ATMs easily.

**Highlights:** View account balances, Transfer funds, Pay bills, Find branch locations, Find ATM locations

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### UCU Mobile

[App page](https://appshunter.io/ios/app/ucu-mobile/id1661835820)

Manage your finances on the go with this mobile banking application. View balances, make transfers, pay bills, and deposit checks. Securely access your accounts and manage card controls from your device.

**Highlights:** View account balances and transactions, Make internal and external transfers, Deposit checks via mobile camera, Pay bills and manage loan payments, Set up account alerts, Manage debit and credit card controls, Locate branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Vicinity CU free?

Vicinity CU is free to download, with no in-app purchases.

### Is UCU Mobile free?

UCU Mobile is free to download, with no in-app purchases.

### Which has better reviews, Vicinity CU or UCU Mobile?

Vicinity CU is rated higher. Vicinity CU averages 3.8 out of 5 from 4 ratings, while UCU Mobile averages 3.6 from 23 ratings.

### Do Vicinity CU or UCU Mobile have ads?

Neither Vicinity CU nor UCU Mobile shows ads.

### Which is updated more often, Vicinity CU or UCU Mobile?

Vicinity CU ships an update monthly, and UCU Mobile every 3 months. Most recently, Vicinity CU was updated on September 26, 2026 and UCU Mobile on August 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*