# Five Star CU vs CarCard

The clearest difference is rating: CarCard at 4.3 against Five Star CU's 4.0. CarCard also leads on monetization model (ad-supported vs free with in-app purchases). Five Star CU's advantage is review sentiment (69% vs 50%). On price, ratings volume, update cadence and ads there is nothing between them.

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

CarCard holds the better App Store score, 4.3 against 4.0. Both are backed by a comparable volume of ratings — 29 and 10 respectively. Written reviews complicate that: 69% of Five Star CU's written reviews are positive against 50% of CarCard's, so the app with the better star average is not the one people write more warmly about.

Five Star CU ships an update monthly, CarCard every 6 weeks. The most recent releases landed on October 15, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Five Star CU | CarCard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (29 ratings)](https://appshunter.io/ios/app/five-star-cu/id1446332552/reviews) | **[4.3 (10 ratings)](https://appshunter.io/ios/app/carcard/id1645825308/reviews)** |
| Number of ratings | **29** | 10 |
| Positive reviews | **68.6% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 127 MB | 151 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Five Star Credit Union](https://appshunter.io/developer/589637406) | [CarCard](https://appshunter.io/developer/1748158489) |

## What reviewers say

### Five Star CU

[App page](https://appshunter.io/ios/app/five-star-cu/id1446332552)

Manage all your financial accounts in one place, from any bank or credit union. Track transactions, set alerts, make payments, transfer funds, and deposit checks with ease. Secure your finances with passcode and biometric login.

**Highlights:** Aggregate all financial accounts, Organize transactions with tags and notes, Set balance alerts, Make payments and transfer money, Mobile check deposit, Debit card management, View statements and find ATMs

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient banking
- ⭐ Great customer service
- 💳 Seamless transactions

**What reviewers complain about**

- 🐛 Glitchy and slow app
- 🔒 Security concerns
- 💰 Unsatisfactory banking experience
- 🕰️ Long wait times for customer service

**Reported bugs**

- App freezing and crashing
- Incorrect account balance display
- Authentication issues
- Inability to view check images and transaction details

**Requested features**

- Separate account transactions
- Ability to turn on/off debit card limits
- Faster transaction updates
- Improved app stability and performance


### CarCard

[App page](https://appshunter.io/ios/app/carcard/id1645825308)

Easily manage your auto loan payments and stay up-to-date with your account. Make one-time or automatic payments, and access exclusive discounts and coupons. Registration with a participating auto lender is required.

**Highlights:** On-demand payments, Automatic payment scheduling, Account activity viewing, Access to discounts and coupons, Connects with auto lenders

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

**In-app purchases:** none


## Frequently asked questions

### Is Five Star CU free?

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

### Is CarCard free?

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

### Which has better reviews, Five Star CU or CarCard?

CarCard is rated higher. Five Star CU averages 4.0 out of 5 from 29 ratings, while CarCard averages 4.3 from 10 ratings.

### Do Five Star CU or CarCard have ads?

Neither Five Star CU nor CarCard shows ads.

### Which is updated more often, Five Star CU or CarCard?

Five Star CU ships an update monthly, and CarCard every 6 weeks. Most recently, Five Star CU was updated on October 15, 2026 and CarCard on October 9, 2026.

---

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