# ERCU Mobile vs Valley 1st CU

The clearest difference is rating: Valley 1st CU at 4.5 against ERCU Mobile's 2.4. Valley 1st CU also leads on update cadence (every 5 months vs every 25 months) and ratings volume (113 vs 18). ERCU Mobile's advantage is ads (none vs shown) and review sentiment (25% vs 0%). On price, in-app purchases and device support there is nothing between them.

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

Valley 1st CU holds the better App Store score, 4.5 against 2.4. That said, the two scores are not equally well evidenced: Valley 1st CU has 113 ratings behind it against 18, so its average is the more settled of the two. Written reviews complicate that: 25% of ERCU Mobile's written reviews are positive against 0% of Valley 1st CU's, so the app with the better star average is not the one people write more warmly about.

ERCU Mobile ships an update every 25 months, Valley 1st CU every 5 months. The most recent releases landed on October 24, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | ERCU Mobile | Valley 1st CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (18 ratings)](https://appshunter.io/ios/app/ercu-mobile/id1218816639/reviews) | **[4.5 (113 ratings)](https://appshunter.io/ios/app/valley-1st-cu/id1658832565/reviews)** |
| Number of ratings | 18 | **113** |
| Positive reviews | **25.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 25 months | **Every 5 months** |
| Monetization | **Free** | Ad-supported |
| Size | 14 MB | 114 MB |
| Requires iOS | **12.1** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Employee Resources Credit Union](https://appshunter.io/developer/1449498136) | [VALLEY 1ST COMMUNITY FEDERAL CREDIT UNION (INC)](https://appshunter.io/developer/1250456659) |

## What reviewers say

### ERCU Mobile

[App page](https://appshunter.io/ios/app/ercu-mobile/id1218816639)

Manage your Employee Resources Credit Union accounts conveniently and securely from your mobile device. Perform transactions like checking balances, viewing history, transferring funds, and paying bills anytime, anywhere. It's a free service for all enrolled ERCU Internet banking members.

**Highlights:** Check account balances, View transaction history, Transfer funds, Pay bills, Get current rates, View cleared checks

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

**In-app purchases:** none


### Valley 1st CU

[App page](https://appshunter.io/ios/app/valley-1st-cu/id1658832565)

Manage your finances conveniently from your mobile device. Check balances, review transactions, pay bills, and transfer funds securely and quickly. Access is free, but standard messaging and data rates may apply.

**Highlights:** Check account balances, Review recent transactions, Transfer funds between accounts, View and pay bills, Secure and fast access

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is ERCU Mobile free?

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

### Is Valley 1st CU free?

Valley 1st CU is free to download, with no in-app purchases.

### Which has better reviews, ERCU Mobile or Valley 1st CU?

Valley 1st CU is rated higher. ERCU Mobile averages 2.4 out of 5 from 18 ratings, while Valley 1st CU averages 4.5 from 113 ratings.

### Do ERCU Mobile or Valley 1st CU have ads?

Valley 1st CU shows ads; ERCU Mobile does not.

### Which is updated more often, ERCU Mobile or Valley 1st CU?

ERCU Mobile ships an update every 25 months, and Valley 1st CU every 5 months. Most recently, ERCU Mobile was updated on October 24, 2026 and Valley 1st CU on October 30, 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.*