Comparison

UFCU Mobile vs LCRA CU

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

UFCU Mobile

Access your UFCU accounts securely and conveniently from your iPhone or iPad. Manage accounts, move money, and stay protected with advanced encryption and multiple login options.

Highlights
  • Card activation, locking, and unlocking
  • Real-time balance and transaction history
  • Mobile check deposit
  • Secure messaging with Member Services
  • Bill Pay and credit card payments
  • Face ID/Touch ID login
Features
Read full description

UFCU Mobile Banking provides fast, secure access to your UFCU accounts from an iPhone® or iPad®. With one universal login and password, you can access Online Banking and the Mobile app across all your devices. The UFCU digital banking experience offers the following features and benefits: Manage Your Accounts • Activate your cards • View real-time balance and transaction history • Manage your scheduled transfers and view history • Activate, lock, or unlock your debit and credit card • Monitor your mortgage loan, make payments, and view statements Stay Secure • Log in with 5-digit PIN, Face ID®, or Touch ID® • Rest assured your data is protected with advanced encryption, secure processes, and audits • Set and change your card PIN • Send a secure message to the Member Services team Move Your Money • Deposit multiple checks at once with Mobile Deposit • Move funds between UFCU and your accounts at other financial institutions • Send money to friends and family, including at other financial institutions • Use UFCU Bill Pay to make payments and view payment history • Make real-time credit card payments • Get a credit card cash advance Please visit UFCU.org/MobileFAQs for more details. *UFCU does not charge a fee for UFCU Mobile Banking. Standard messaging and data rates may apply. UFCU is an Equal Housing Opportunity lender. This credit union is federally insured by the National Credit Union Administration.

About

LCRA CU

Manage your finances conveniently from your mobile device. Check balances, review transactions, transfer funds, and pay bills securely and quickly. Access your accounts anytime, anywhere with this free application.

Highlights
  • Check account balances
  • Review recent transactions
  • Transfer funds between accounts
  • View and pay bills
  • Password reset functionality
Read full description

Access your accounts when and where you want right in the palm of your hand. It’s fast, secure and free access to your accounts anytime, anywhere. You have access to check your balances, pay bills and transfer money...while you are on the go! Features: • Check your account balances • Review recent transactions • Transfer funds between your accounts • View and pay bills. • Enroll for OLB & Mobiliti via the mobile app. • Enroll for Bill Payment via the mobile app. • Click on forget password to change your password Federally insured by the NCUA.

Screenshots

UFCU Mobile4 screens
LCRA CU4 screens

Verdict

The call

The clearest difference is ads: UFCU Mobile at none against LCRA CU's shown. UFCU Mobile also leads on update cadence (every 3 weeks vs every 8 months) and ratings volume (21K vs 24). On price, rating, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for UFCU Mobile against 4.8 for LCRA CU. That said, the two scores are not equally well evidenced: UFCU Mobile has 21K ratings behind it against 24, so its average is the more settled of the two.

UpkeepUpdate frequency

UFCU Mobile ships an update every 3 weeks, LCRA CU every 8 months. The most recent releases landed on November 13, 2026 and November 4, 2026 respectively.

Scorecard4 real differences · 6 level
UFCU Mobile versus LCRA CU: the parameters behind the verdict, then further details
ParameterUFCU MobileLCRA CU
PriceFreeFree
Rating4.7 (21K ratings)4.8 (24 ratings) — better
Positive reviews24.7% of reviews—
Number of ratings21K — better24
Update frequencyEvery 3 weeks — betterEvery 8 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size429 MB67 MB
Age rating4+4+
DeveloperUniversity Federal Credit UnionLCRA Credit Union

Customer experience

UFCU Mobile

All ratings21,029 ratings
Positive92.1%
Neutral1.9%
Negative5.9%
Written reviews291 reviews
Positive24.7%
Neutral13.7%
Negative61.5%

LCRA CU

All ratings20 ratings
Positive95.0%
Neutral5.0%
Negative0.0%

Bugs and requests

UFCU Mobile

Reported bugs

3 issues
  • Unable to log in with valid credentials
  • Inconsistent pending transaction display
  • Accounts not syncing properly

Requested features

4 requests
  • Restore ability to transfer between UFCU members
  • Bring back express account view
  • Add option to remove corporate logos from transactions
  • Improve transaction history display and sorting

LCRA CU

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

UFCU Mobile

No in-app purchases

None

LCRA CU

No in-app purchases

Questions

Is UFCU Mobile free?
UFCU Mobile is free to download, with no in-app purchases.
Is LCRA CU free?
LCRA CU is free to download, with no in-app purchases.
Which has better reviews, UFCU Mobile or LCRA CU?
LCRA CU is rated higher. UFCU Mobile averages 4.7 out of 5 from 21K ratings, while LCRA CU averages 4.8 from 24 ratings.
Do UFCU Mobile or LCRA CU have ads?
LCRA CU shows ads; UFCU Mobile does not.
Which is updated more often, UFCU Mobile or LCRA CU?
UFCU Mobile ships an update every 3 weeks, and LCRA CU every 8 months. Most recently, UFCU Mobile was updated on November 13, 2026 and LCRA CU on November 4, 2026.

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