# FHC Credit Union vs Authenticator App

The clearest difference is rating: Authenticator App at 4.7 against FHC Credit Union's 2.5. Authenticator App also leads on update cadence (monthly vs every 7 months) and ratings volume (3.4K vs 4). FHC Credit Union's advantage is in-app purchases (none vs 4). On price, ads and device support there is nothing between them.

Both are free to download. Authenticator App sells 4 in-app purchases, starting at $8.99 per month. FHC Credit Union asks for nothing beyond the download.

Authenticator App holds the better App Store score, 4.7 against 2.5. That said, the two scores are not equally well evidenced: Authenticator App has 3.4K ratings behind it against 4, so its average is the more settled of the two.

FHC Credit Union ships an update every 7 months, Authenticator App monthly. The most recent releases landed on November 3, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | FHC Credit Union | Authenticator App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (4 ratings)](https://appshunter.io/ios/app/fhc-credit-union/id1594897981/reviews) | **[4.7 (3.4K ratings)](https://appshunter.io/ios/app/authenticator-app-authkey/id6447845767/reviews)** |
| Number of ratings | 4 | **3.4K** |
| Positive reviews | — | 41.3% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 7 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 11 MB | 46 MB |
| Requires iOS | 26.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [First Heritage Co-Operative Credit Union Ltd](https://appshunter.io/developer/1594897983) | [SkyRise Networks](https://appshunter.io/developer/1682862399) |

## What reviewers say

### FHC Credit Union

[App page](https://appshunter.io/ios/app/fhc-credit-union/id1594897981)

Access your bank account securely from anywhere. View balances, transaction history, pay bills, and transfer funds. Easily disable debit cards and find branch locations.

**Highlights:** View account balances, View account history, Disable debit card, Pay bills, Transfer funds, Find branch locations

**Features:** macOS Compatibility

**In-app purchases:** none


### Authenticator App

[App page](https://appshunter.io/ios/app/authenticator-app-authkey/id6447845767)

Enhance your online security with this app, offering a secure and reliable method to protect your accounts. It generates unique codes for two-factor authentication, ensuring your personal information stays safe.

**Highlights:** Account protection with 2FA, Easy setup and management, Backup and sync accounts, Secure code generation

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Authenticator Monthly Premium | $8.99 | per month |
| Authenticator Weekly Premium | $9.99 | per 7 days |
| Authenticator Yearly Premium | $49.99 | per year |
| Authenticator Lifetime Premium | $69.99 | one-time |

**What reviewers like**

- 👍 Seamless functionality
- 🚀 Quick and easy setup
- 🔒 Robust security features

**What reviewers complain about**

- 🐛 Compatibility issues
- 💰 Expensive subscription
- 🤯 Confusing user interface
- 🔒 Unreliable authentication

**Reported bugs**

- Unable to scan QR codes
- Accounts not showing up correctly
- Repeated login failures

**Requested features**

- Ability to add/manage multiple accounts
- Improved syncing across devices
- More transparent subscription model


## Frequently asked questions

### Is FHC Credit Union free?

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

### Is Authenticator App free?

Authenticator App is free to download, with in-app purchases available.

### Which has better reviews, FHC Credit Union or Authenticator App?

Authenticator App is rated higher. FHC Credit Union averages 2.5 out of 5 from 4 ratings, while Authenticator App averages 4.7 from 3.4K ratings.

### Do FHC Credit Union or Authenticator App have ads?

Neither FHC Credit Union nor Authenticator App shows ads.

### Which is updated more often, FHC Credit Union or Authenticator App?

FHC Credit Union ships an update every 7 months, and Authenticator App monthly. Most recently, FHC Credit Union was updated on November 3, 2026 and Authenticator App on November 8, 2026.

---

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