# EdFed vs Tropical Financial CU

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.

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.

## The numbers

| Metric | EdFed | Tropical Financial CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (128 ratings)](https://appshunter.io/ios/app/edfed/id433267554/reviews) | **[4.8 (5.3K ratings)](https://appshunter.io/ios/app/tropical-financial-cu/id443485613/reviews)** |
| Number of ratings | 128 | **5.3K** |
| Positive reviews | 28.0% of reviews | **53.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 121 MB | 80 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Educational Federal Credit Union](https://appshunter.io/developer/1386231695) | [Tropical Financial Credit Union](https://appshunter.io/developer/443485616) |

## What reviewers say

### EdFed

[App page](https://appshunter.io/ios/app/edfed/id433267554)

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.

**Highlights:** Account management, Check image viewing, Transaction history, Bill payment scheduling, Remote check deposit, ATM locator

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast performance (sometimes)
- 💡 Convenient for basic banking
- ✅ Works great on iPhone
- ✅ Old app was functional

**What reviewers complain about**

- 🐛 Frequent bugs and glitches
- 🐛 App crashes often
- 🐛 Login issues (locked out, wrong password)
- 🐛 Mobile deposit not working
- 🐛 Slow loading times

**Reported bugs**

- 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

**Requested features**

- Zelle integration
- Improved mobile deposit functionality
- Bill pay improvements
- Full transaction history access
- FaceID/TouchID/Biometric login


### Tropical Financial CU

[App page](https://appshunter.io/ios/app/tropical-financial-cu/id443485613)

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.

**Highlights:** 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

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 💡 Convenient mobile banking
- 🚀 Fast and responsive
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Frequent app crashes
- 🐛 Login issues
- 🐛 Mobile deposit problems
- 🐛 Outdated and buggy app
- 🔒 Lack of security features (e.g., no lock option)

**Reported bugs**

- Unable to log in or access accounts
- Mobile deposit not working
- App constantly crashing or displaying errors

**Requested features**

- Integrate Zelle for external money transfers
- Improve mobile deposit functionality
- Add more modern banking features (e.g., credit score tracking)


## Frequently asked questions

### Is EdFed free?

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

### Is Tropical Financial CU free?

Tropical Financial CU is free to download, with no in-app purchases.

### Which has better reviews, EdFed or Tropical Financial CU?

Tropical Financial CU is rated higher. EdFed averages 3.0 out of 5 from 128 ratings, while Tropical Financial CU averages 4.8 from 5.3K ratings.

### Do EdFed or Tropical Financial CU have ads?

Neither EdFed nor Tropical Financial CU shows ads.

### Which is updated more often, EdFed or Tropical Financial CU?

EdFed ships an update monthly, and Tropical Financial CU every 4 months. Most recently, EdFed was updated on October 29, 2026 and Tropical Financial CU on October 29, 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.*