# SWLACU vs SWACU

SWLACU and SWACU both sit at 4.8 stars, but that hides the real split: 76% of SWACU's written reviews are positive against 38% of SWLACU's. SWACU also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). SWLACU's advantage is iOS requirement (15.0 vs 18.4). On price, rating, ratings volume 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 SWLACU against 4.9 for SWACU. Both are backed by a comparable volume of ratings — 1.5K and 4.2K respectively. Written reviews are what separate them: 38% of SWLACU's written reviews are positive against 76% of SWACU's.

SWLACU ships an update every 4 months, SWACU every 4 weeks. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | SWLACU | SWACU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.5K ratings)](https://appshunter.io/ios/app/swlacu-mobile/id1580123377/reviews) | **[4.9 (4.2K ratings)](https://appshunter.io/ios/app/swacu/id6740840849/reviews)** |
| Number of ratings | 1.5K | **4.2K** |
| Positive reviews | 37.5% of reviews | **75.8% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 4 months | **Every 4 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 108 MB | 196 MB |
| Requires iOS | **15.0** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Southwest Louisiana Credit Union](https://appshunter.io/developer/718978947) | [Southwest Airlines Federal Credit Union](https://appshunter.io/developer/533214182) |

## What reviewers say

### SWLACU

[App page](https://appshunter.io/ios/app/swlacu-mobile/id1580123377)

Manage your credit union accounts conveniently on the go. Check balances, transfer funds, pay bills, and locate ATMs and branches directly from your mobile device. Enjoy secure access to your finances anytime, anywhere.

**Highlights:** Check account balances, Transfer funds between accounts, Pay bills, Find ATMs and branches, Mobile deposit

**Features:** Apple Wallet

**In-app purchases:** none


### SWACU

[App page](https://appshunter.io/ios/app/swacu/id6740840849)

Manage your finances on the go with this comprehensive banking app. Perform most branch transactions securely from your mobile device, 24/7. Organize transactions, deposit checks remotely, and control your debit cards.

**Highlights:** Organize transactions with tags, notes, and receipt photos, Secure and fast account monitoring, Remote check deposit, Debit card control (on/off), Schedule and view payments and transfers, Apply for new accounts and loans, Biometric authentication

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Terrific improvements from the previous version
- 👍 New app is awesome!
- 👍 Quicker, easier to use, and feels much more modern
- 👍 Great user interface
- 👍 Easy and quick to use

**What reviewers complain about**

- 🔍 Menus take a while to find where you need to go

**Reported bugs**

- No rewards counter in the new app

**Requested features**

- Provide rewards transactions and tracking


## Frequently asked questions

### Is SWLACU free?

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

### Is SWACU free?

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

### Which has better reviews, SWLACU or SWACU?

SWACU is rated higher. SWLACU averages 4.8 out of 5 from 1.5K ratings, while SWACU averages 4.9 from 4.2K ratings.

### Do SWLACU or SWACU have ads?

SWLACU shows ads; SWACU does not.

### Which is updated more often, SWLACU or SWACU?

SWLACU ships an update every 4 months, and SWACU every 4 weeks. Most recently, SWLACU was updated on November 7, 2026 and SWACU 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.*