# CPFCU Mobile Banking vs Spruce

The clearest difference is rating: Spruce at 4.5 against CPFCU Mobile Banking's 2.5. Spruce also leads on review sentiment (34% vs 0%) and update cadence (every 3 weeks vs every 37 months). CPFCU Mobile Banking's advantage is iOS requirement (12.1 vs 15.6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Spruce holds the better App Store score, 4.5 against 2.5. That said, the two scores are not equally well evidenced: Spruce has 5.4K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of CPFCU Mobile Banking's written reviews are positive against 34% of Spruce's.

CPFCU Mobile Banking ships an update every 37 months, Spruce every 3 weeks. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | CPFCU Mobile Banking | Spruce |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (2 ratings)](https://appshunter.io/ios/app/cpfcu-mobile-banking/id1133643075/reviews) | **[4.5 (5.4K ratings)](https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028/reviews)** |
| Number of ratings | 2 | **5.4K** |
| Positive reviews | 0.0% of reviews | **34.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 37 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 13 MB | 308 MB |
| Requires iOS | **12.1** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Charleston Postal Federal Credit Union](https://appshunter.io/developer/1505329425) | [HRB Tax Group, Inc.](https://appshunter.io/developer/350051876) |

## What reviewers say

### CPFCU Mobile Banking

[App page](https://appshunter.io/ios/app/cpfcu-mobile-banking/id1133643075)

Manage your Charleston Postal Federal Credit Union accounts conveniently and securely from your mobile device. Check balances, view history, transfer funds, and apply for loans anytime, anywhere. It's a free service for enrolled CPFCU members.

**Highlights:** Check account balances, View transaction history, Transfer funds, Get current rates, Apply for loans, Secure access

**Features:** macOS Compatibility

**In-app purchases:** none


### Spruce

[App page](https://appshunter.io/ios/app/spruce-mobile-banking/id1595592028)

Manage your daily finances and budget for future goals with this mobile banking app. It offers a spending account, a high-yield savings account, and tools to track spending and set savings goals. Build a better relationship with your money through easy-to-use financial management features.

**Highlights:** Spending account management, High-yield savings account, Financial goal setting, Automated deposits, Transaction categorization, Credit score monitoring

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 💡 Helpful savings tools
- 👍 Beautiful UI
- 🚀 Fast direct deposits

**What reviewers complain about**

- 🐛 Frequent app crashes
- ⏱️ Slow check deposits
- 🔒 Security concerns
- 🤖 Poor customer service
- 💰 Unexpected fees

**Reported bugs**

- Login issues
- Syncing problems
- Disappearing funds
- Deactivated cards

**Requested features**

- Ability to transfer funds to external accounts
- Improved account management features
- Faster check clearing times


## Frequently asked questions

### Is CPFCU Mobile Banking free?

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

### Is Spruce free?

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

### Which has better reviews, CPFCU Mobile Banking or Spruce?

Spruce is rated higher. CPFCU Mobile Banking averages 2.5 out of 5 from 2 ratings, while Spruce averages 4.5 from 5.4K ratings.

### Do CPFCU Mobile Banking or Spruce have ads?

Neither CPFCU Mobile Banking nor Spruce shows ads.

### Which is updated more often, CPFCU Mobile Banking or Spruce?

CPFCU Mobile Banking ships an update every 37 months, and Spruce every 3 weeks. Most recently, CPFCU Mobile Banking was updated on November 2, 2026 and Spruce on November 7, 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.*