Comparison

LAFCU vs VCCU Mobile

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

Head to head
About

LAFCU

Manage your everyday banking needs securely and conveniently 24/7. Check balances, view account information, make and edit payments, deposit checks, and control your cards all from your mobile device.

Highlights
  • Account dashboard
  • Transaction review
  • Mobile check deposit
  • Bill payment scheduling
  • Fund transfers
  • Card controls
  • Statement viewing
Features
Read full description

Los Angeles Federal Credit Union puts everyday banking at your fingertips safely & securely 24/7 with our LAFCU Mobile App. Whether you want to check your account balance, view your account info, or make and edit payments – you can do it all from your mobile device. Features included are: Dashboard - Manage all of your LAFCU accounts with one dashboard. View your available funds, your upcoming payments, how much you’ve deposited, progress towards your savings goals, and personalized recommendations just for you all in a single easy-to-read screen. Accounts - View and manage all of your cash accounts. Review recent transactions, see current balances, make transfers, pay loans, and search for specific payments or deposits. Mobile Deposits – Deposit checks into your LAFCU account anytime and anywhere. Bill Pay - Schedule or manually make payments on your bills through our easy-to-use bill pay system. Fund Transfers - Send funds to and from your connected accounts at other financial institutions through our funds transfer capability. Alerts – Set up and manage account alerts, including LAFCU VISA® credit cards. Card Controls – Control when, where, and how your debit card and credit cards are used. Lock and unlock your card, report a lost card, set travel plans, initiate a dispute, and more. Statements – View and download statements and tax forms Since 1936, Los Angeles Federal Credit Union has remained a strong and secure financial institution that is committed to providing the best financial services to its members and residents of Southern California. That’s why we developed the LAFCU Mobile app to manage your everyday banking needs. To enjoy the convenience of our app, you must be a Los Angeles Federal Credit Union member and be enrolled in our online banking service. If you are already a member, simply download this mobile app. To join the credit union, visit www.LAFCU.org, then after joining, download the app.

About

VCCU Mobile

Manage your finances securely 24/7 with this mobile banking app. Access account balances, pay bills, send and receive money, and deposit checks remotely. It also offers card management, loan applications, and account updates.

Highlights
  • 24/7 account access
  • Bill payment
  • Send/receive money with Zelle®
  • Remote check deposit
  • Card management
  • Loan applications
Features
Read full description

Welcome to banking with VCCU! Ventura County Credit Union's Mobile app allows you to securely access your accounts 24/7. View your account balances and pay bills with ease, as well as: Send and receive money with Zelle® Manage your credit and debit cards in real-time Deposit paper checks with Remote Deposit Schedule one-time and automatic transfers Update account information Add Travel Notes Apply for a loan Open a new share account View eStatements and much more!

Screenshots

LAFCU4 screens
VCCU Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: LAFCU at 75% against VCCU Mobile's 19%. LAFCU also leads on rating (4.9 vs 3.9) and ratings volume (6.7K vs 44). VCCU Mobile's advantage is update cadence (monthly vs every 5 months). On price, ads, in-app purchases and monetization model 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

LAFCU holds the better App Store score, 4.9 against 3.9. That said, the two scores are not equally well evidenced: LAFCU has 6.7K ratings behind it against 44, so its average is the more settled of the two. Written reviews point the same way: 75% of LAFCU's written reviews are positive against 19% of VCCU Mobile's.

UpkeepUpdate frequency

LAFCU ships an update every 5 months, VCCU Mobile monthly. Both last shipped on September 22, 2026.

Scorecard4 real differences · 6 level
LAFCU versus VCCU Mobile: the parameters behind the verdict, then further details
ParameterLAFCUVCCU Mobile
PriceFreeFree
Rating4.9 (6.7K ratings) — better3.9 (44 ratings)
Positive reviews74.7% of reviews — better18.6% of reviews
Number of ratings6.7K — better44
Update frequencyEvery 5 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size24 MB128 MB
Age rating4+4+
DeveloperLos Angeles Federal Credit UnionVentura County Credit Union

Customer experience

LAFCU

All ratings6,467 ratings
Positive97.7%
Neutral1.7%
Negative0.7%
Written reviews87 reviews
Positive74.7%
Neutral11.5%
Negative13.8%

VCCU Mobile

All ratings44 ratings
Positive72.7%
Neutral4.5%
Negative22.7%
Written reviews70 reviews
Positive18.6%
Neutral7.1%
Negative74.3%

User reviews

LAFCU

From 6.7K App Store ratings

What we love

  • 👍 User friendly
  • 👍 Easy to navigate
  • 👍 Convenient
  • 👍 Reliable
  • 👍 Great customer service

Room to improve

  • 🐛 Zelle not working
  • 🐛 Login/registration issues
  • 🐛 Crashes and freezes
  • 🐛 Limited functionality
  • 🐛 Slow transfers

VCCU Mobile

From 44 App Store ratings

What we love

  • ✨ Clean and easy to navigate
  • 💳 New features like credit score monitoring
  • ✅ Transfers are easy
  • 🔒 Offers ease and security
  • 💡 Easy to use upgraded app

Room to improve

  • 😠 Poorest running banking app
  • 😠 Awful app to coerce facial recognition
  • 😠 Freezes and does not work
  • 😠 Forced to login via desktop
  • 😠 Constantly trying to coerce digital ID

Bugs and requests

LAFCU

Reported bugs

4 issues
  • Zelle not working
  • Login/registration issues
  • Crashes and freezes
  • Compatibility issues with older devices

Requested features

4 requests
  • Improve Zelle integration
  • Enhance credit card transaction visibility
  • Introduce dark mode option
  • Improve overall app performance

VCCU Mobile

Reported bugs

45 issues
  • App freezes
  • App does not work
  • App times out
  • App errors out
  • App is slow
Show 40 more
  • App crashes
  • App doesn't load
  • App gets stuck loading
  • App rejects deposited checks
  • App is buggy
  • App randomly signs out
  • App won't open
  • App has error loading page
  • App lags
  • App times out during remote deposit
  • App is unreliable
  • App freezes when submitting check
  • App is antiquated
  • App falls short
  • App doesn't load homepage
  • App gets stuck on loading screen
  • App shows spinning wheel of death
  • App checks sit in limbo
  • App cannot log out
  • App won't open to sign in screen
  • App is slow in evenings
  • App has server issues
  • App is inconsistent
  • App is sporadic
  • App won't pass blue loading icon
  • App has long load time
  • App doesn't work on WiFi
  • App has consistent problems
  • App freezes up
  • App requires re-login
  • App has login issues
  • App is not polished
  • App crashes on login page
  • App has slow update needed
  • App has security question delays
  • App has slow web page
  • App online services gone backwards
  • App registration process is challenging
  • App is very slow
  • App takes too long to log in

Requested features

18 requests
  • Bring back the old app
  • Add biometric login
  • Add 2 factor authentication
  • Add companion app for banking
  • Add credit score monitoring
Show 13 more
  • Add ability to edit personal information
  • Add ability to utilize credit information
  • Add push notifications for transactions
  • Add push notifications for deposits
  • Add push notifications for spending limits
  • Save username and login info
  • Add Touch ID login
  • Invest in regular updates
  • Add fingerprint login
  • Add notifications
  • Modernize the app
  • Improve server support
  • Add Zelle integration

In-app purchases

None

LAFCU

No in-app purchases

None

VCCU Mobile

No in-app purchases

Questions

Is LAFCU free?
LAFCU is free to download, with no in-app purchases.
Is VCCU Mobile free?
VCCU Mobile is free to download, with no in-app purchases.
Which has better reviews, LAFCU or VCCU Mobile?
LAFCU is rated higher. LAFCU averages 4.9 out of 5 from 6.7K ratings, while VCCU Mobile averages 3.9 from 44 ratings.
Do LAFCU or VCCU Mobile have ads?
Neither LAFCU nor VCCU Mobile shows ads.
Which is updated more often, LAFCU or VCCU Mobile?
LAFCU ships an update every 5 months, and VCCU Mobile monthly. Most recently, LAFCU was updated on September 22, 2026 and VCCU Mobile on September 22, 2026.

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