# LAFCU vs VCCU Mobile

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.

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

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.

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

## The numbers

| Metric | LAFCU | VCCU Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (6.7K ratings)](https://appshunter.io/ios/app/lafcu/id441877771/reviews)** | [3.9 (44 ratings)](https://appshunter.io/ios/app/vccu-mobile/id907580885/reviews) |
| Number of ratings | **6.7K** | 44 |
| Positive reviews | **74.7% of reviews** | 18.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Free | Free |
| Size | 24 MB | 128 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Los Angeles Federal Credit Union](https://appshunter.io/developer/441877774) | [Ventura County Credit Union](https://appshunter.io/developer/585839405) |

## What reviewers say

### LAFCU

[App page](https://appshunter.io/ios/app/lafcu/id441877771)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- Improve Zelle integration
- Enhance credit card transaction visibility
- Introduce dark mode option
- Improve overall app performance


### VCCU Mobile

[App page](https://appshunter.io/ios/app/vccu-mobile/id907580885)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 😠 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

**Reported bugs**

- App freezes
- App does not work
- App times out
- App errors out
- App is slow

**Requested features**

- Bring back the old app
- Add biometric login
- Add 2 factor authentication
- Add companion app for banking
- Add credit score monitoring


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