# UFCU Mobile vs LCRA CU

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.

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 — 4.7 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.

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.

## The numbers

| Metric | UFCU Mobile | LCRA CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (21K ratings)](https://appshunter.io/ios/app/ufcu-mobile/id1638772747/reviews) | **[4.8 (24 ratings)](https://appshunter.io/ios/app/lcra-cu/id6475880956/reviews)** |
| Number of ratings | **21K** | 24 |
| Positive reviews | 24.7% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 3 weeks** | Every 8 months |
| Monetization | **Free** | Ad-supported |
| Size | 429 MB | 67 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [University Federal Credit Union](https://appshunter.io/developer/462967224) | [LCRA Credit Union](https://appshunter.io/developer/1725340411) |

## What reviewers say

### UFCU Mobile

[App page](https://appshunter.io/ios/app/ufcu-mobile/id1638772747)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easier to navigate
- 🚀 Faster performance
- 🔒 Improved security features
- 🌟 Modern and clean design

**What reviewers complain about**

- 🐛 Frequent app crashes
- ⏱️ Slow account balance updates
- 🤔 Missing key features from old app
- 🕰️ Longer login process
- 🤯 Confusing user interface

**Reported bugs**

- Unable to log in with valid credentials
- Inconsistent pending transaction display
- Accounts not syncing properly

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/lcra-cu/id6475880956)

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

**In-app purchases:** none


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