EdFed vs Tropical Financial CU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EdFed
Manage your finances on the go with this mobile banking app. View account balances, transaction history, and check images. Schedule bill payments and deposit checks remotely. Locate nearby ATMs easily.
- Account management
- Check image viewing
- Transaction history
- Bill payment scheduling
- Remote check deposit
- ATM locator
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Make your life easier with Educational Federal Credit Union’s FREE Mobile Banking Application for iOS. - Manage your accounts -View your check images - View your Transaction History - Schedule new Bill Payments - Deposit Checks from Anywhere - Locate nearest surcharge free ATM's.
Tropical Financial CU
Manage your finances securely and conveniently from your mobile device. Transfer funds, deposit checks, pay bills, and track your progress towards savings goals. Access a full-service branch anytime, anywhere.
- Instant money transfers with Zelle
- Account balance and bill tracking
- Mobile check deposit
- Card lock/unlock for security
- Find nearby branches and ATMs
- Set and track savings goals
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Bank on the Go with the Tropical Financial Mobile App! Managing your money has never been easier—or more secure. With the Tropical Financial Credit Union mobile app, you’ve got a full-service branch right in your pocket. Whether you’re sending money instantly with Zelle®, transferring between accounts, depositing checks, or staying on top of your balances and bills, we’ve got you covered. - Pay bills and TFCU loans with ease - Set savings goals and track your progress - Lock and unlock your cards in seconds for extra security - Quickly find nearby branches and ATMs - All your finances, all in one place—whenever, wherever Download the app and experience the freedom of banking your way, 24/7.
Screenshots
Verdict
The clearest difference is rating: Tropical Financial CU at 4.8 against EdFed's 3.0. Tropical Financial CU also leads on review sentiment (53% vs 28%) and monetization model (free vs free with in-app purchases). EdFed's advantage is update cadence (monthly vs every 4 months). On price, ads, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Tropical Financial CU holds the better App Store score, 4.8 against 3.0. That said, the two scores are not equally well evidenced: Tropical Financial CU has 5.3K ratings behind it against 128, so its average is the more settled of the two. Written reviews point the same way: 28% of EdFed's written reviews are positive against 53% of Tropical Financial CU's.
EdFed ships an update monthly, Tropical Financial CU every 4 months. Both last shipped on October 29, 2026.
| Parameter | EdFed | Tropical Financial CU |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (128 ratings) | 4.8 (5.3K ratings) — better |
| Positive reviews | 28.0% of reviews | 53.2% of reviews — better |
| Number of ratings | 128 | 5.3K — better |
| Update frequency | Monthly — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, Apple Watch — better |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 121 MB | 80 MB |
| Age rating | 4+ | 4+ |
| Developer | Educational Federal Credit Union | Tropical Financial Credit Union |
Customer experience
EdFed
Tropical Financial CU
User reviews
EdFed
From 128 App Store ratingsWhat we love
- 👍 User-friendly interface
- 🚀 Fast performance (sometimes)
- 💡 Convenient for basic banking
- ✅ Works great on iPhone
- ✅ Old app was functional
Room to improve
- 🐛 Frequent bugs and glitches
- 🐛 App crashes often
- 🐛 Login issues (locked out, wrong password)
- 🐛 Mobile deposit not working
- 🐛 Slow loading times
Tropical Financial CU
From 5.3K App Store ratingsWhat we love
- 👍 Easy to use
- 💡 Convenient mobile banking
- 🚀 Fast and responsive
- 🔒 Secure banking
Room to improve
- 🐛 Frequent app crashes
- 🐛 Login issues
- 🐛 Mobile deposit problems
- 🐛 Outdated and buggy app
- 🔒 Lack of security features (e.g., no lock option)
Bugs and requests
EdFed
Reported bugs
45 issues- App locks and denies access after login attempts
- Cannot scan checks for mobile deposit
- Zelle feature not accessible as advertised
- Account registration fails
- Mobile deposit screen is blank or white
Show 40 moreShow fewer
- Face ID function removed, manual login causes lockout
- App rarely functions after name change, blank screens for balances
- Constantly needs reinstallation to work
- Account tab information not visible upon login
- App freezes and glitches
- Transfer completion reported, but funds not transferred
- App gets stuck in settings menu on iPad
- Cannot log out on iPad version, requires force close
- App won't open, closes immediately on launch
- Barely opens, cannot check balance
- App looks cheap and outdated
- App is rudimentary and full of bugs
- App is slow and buggy
- App crashes upon opening on iOS 13
- App reverts to icon on iPad Pro with iOS 13.1.1
- App crashes and says password is wrong
- Password issues even after changing it
- Cannot make simple transfers (savings to checking)
- App shuts down upon login attempt
- Incorrect account balances displayed
- App crashes when selecting an account after login
- App freezes or gets stuck on loading screen
- Cannot review transactions beyond a week
- Account holds listed as both pending and processed
- Charges deducted but not listed
- Username entered, but password field does not appear
- App lags after completing a transfer
- Remote deposit feature disabled
- App times out during login or mid-session logouts
- Cannot see credit card full transaction history or due date
- Language settings under 'Change Password'
- Account holds not seen in the account they are for
- App is slow, unable to open, and crashes
- App force quits on opening
- App crashes with iPad 13.1.1
- App reverts to icon on iPad Pro with iOS 13.1
- App kicks/times out frequently
- Cannot see debit card purchases
- App crashes or times out of login
- App glitches cause ruin
Requested features
12 requests- Zelle integration
- Improved mobile deposit functionality
- Bill pay improvements
- Full transaction history access
- FaceID/TouchID/Biometric login
Show 7 moreShow fewer
- Apple Pay/Card compatibility
- Dark mode
- Visible password option
- Option to disable auto-save account number
- iPad app
- Remote deposit feature enablement
- Update for iPhone X
Tropical Financial CU
Reported bugs
3 issues- Unable to log in or access accounts
- Mobile deposit not working
- App constantly crashing or displaying errors
Requested features
3 requests- Integrate Zelle for external money transfers
- Improve mobile deposit functionality
- Add more modern banking features (e.g., credit score tracking)
In-app purchases
EdFed
No in-app purchases
Tropical Financial CU
No in-app purchases
Questions
Is EdFed free?
Is Tropical Financial CU free?
Which has better reviews, EdFed or Tropical Financial CU?
Do EdFed or Tropical Financial CU have ads?
Which is updated more often, EdFed or Tropical Financial CU?
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