# True Sky Credit Union vs USEFCU

The clearest difference is ads: USEFCU at none against True Sky Credit Union's shown. USEFCU also leads on update cadence (monthly vs every 5 months). True Sky Credit Union's advantage is ratings volume (4.2K vs 702) and iOS requirement (15.0 vs 18.4). On price, rating, review sentiment 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 — 4.8 for True Sky Credit Union against 4.7 for USEFCU. That said, the two scores are not equally well evidenced: True Sky Credit Union has 4.2K ratings behind it against 702, so its average is the more settled of the two. Written reviews are what separate them: 37% of True Sky Credit Union's written reviews are positive against 30% of USEFCU's.

True Sky Credit Union ships an update every 5 months, USEFCU monthly. The most recent releases landed on November 11, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | True Sky Credit Union | USEFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (4.2K ratings)](https://appshunter.io/ios/app/true-sky-credit-union/id1372984308/reviews)** | [4.7 (702 ratings)](https://appshunter.io/ios/app/usefcu/id6745406073/reviews) |
| Number of ratings | **4.2K** | 702 |
| Positive reviews | **37.1% of reviews** | 30.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | Free |
| Size | 81 MB | 198 MB |
| Requires iOS | **15.0** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [FAA Credit Union](https://appshunter.io/developer/433629835) | [US Employees OC Federal Credit Union](https://appshunter.io/developer/551152658) |

## What reviewers say

### True Sky Credit Union

[App page](https://appshunter.io/ios/app/true-sky-credit-union/id1372984308)

Manage your finances on the go with this mobile banking app. View balances, transfer funds, pay bills, deposit checks, and monitor your credit score. It also offers card management and budgeting tools.

**Highlights:** View account balances and history, Transfer funds internally and externally, Mobile check deposit, Bill Pay, Card lock/unlock, Credit score monitoring, Money management and budgeting

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- ⭐ Great service
- 🚀 Convenient and easy to use
- 👍 Intuitive and user-friendly
- 💡 Fantastic update with new features
- 🚀 Faster and much easier to navigate

**What reviewers complain about**

- 🐛 Mobile deposit not working
- 🐛 Slow and unresponsive
- 🐛 Frequent login issues
- 🐛 Buggy and unstable
- 🔨 Worse than previous version

**Reported bugs**

- Login frequently fails
- App crashes and freezes
- Mobile deposit not working
- Incorrect account balance display
- Disappearing features and functionality

**Requested features**

- Improve mobile deposit functionality
- Add option to view last payment date
- Bring back color-coded loan warnings
- Optimize app for larger screens and iPad
- Provide in-app feedback mechanism


### USEFCU

[App page](https://appshunter.io/ios/app/usefcu/id6745406073)

Manage your finances conveniently from your smartphone. This app allows you to set up alerts, make payments, transfer funds, deposit checks remotely, and manage your debit card. It also provides access to statements and branch/ATM locations.

**Highlights:** Account balance alerts, Make payments to companies and friends, Transfer funds between accounts, Mobile check deposit, Debit card management, View and save statements, Find branches and ATMs

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is True Sky Credit Union free?

True Sky Credit Union is free to download, with no in-app purchases.

### Is USEFCU free?

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

### Which has better reviews, True Sky Credit Union or USEFCU?

True Sky Credit Union is rated higher. True Sky Credit Union averages 4.8 out of 5 from 4.2K ratings, while USEFCU averages 4.7 from 702 ratings.

### Do True Sky Credit Union or USEFCU have ads?

True Sky Credit Union shows ads; USEFCU does not.

### Which is updated more often, True Sky Credit Union or USEFCU?

True Sky Credit Union ships an update every 5 months, and USEFCU monthly. Most recently, True Sky Credit Union was updated on November 11, 2026 and USEFCU on November 8, 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.*