# Tropical Financial CU vs SecurLOCK Equip

The clearest difference is review sentiment: Tropical Financial CU at 53% against SecurLOCK Equip's 31%. Tropical Financial CU also leads on rating (4.8 vs 4.6). SecurLOCK Equip's advantage is iOS requirement (14.0 vs 16.0). On price, ratings volume, update cadence and ads 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 4.6. Both are backed by a comparable volume of ratings — 5.2K and 4.9K respectively. Written reviews point the same way: 53% of Tropical Financial CU's written reviews are positive against 31% of SecurLOCK Equip's.

Tropical Financial CU ships an update every 4 months, SecurLOCK Equip every 5 months. The most recent releases landed on November 10, 2026 and November 11, 2026 respectively.

## The numbers

| Metric | Tropical Financial CU | SecurLOCK Equip |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (5.2K ratings)](https://appshunter.io/ios/app/tropical-financial-cu/id443485613/reviews)** | [4.6 (4.9K ratings)](https://appshunter.io/ios/app/securlock-equip/id1069254695/reviews) |
| Number of ratings | **5.2K** | 4.9K |
| Positive reviews | **53.2% of reviews** | 31.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 months** | Every 5 months |
| Monetization | Free | Free |
| Size | 80 MB | 71 MB |
| Requires iOS | 16.0 | **14.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Tropical Financial Credit Union](https://appshunter.io/developer/443485616) | [eFunds Corporation](https://appshunter.io/developer/354569718) |

## What reviewers say

### 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)


### SecurLOCK Equip

[App page](https://appshunter.io/ios/app/securlock-equip/id1069254695)

Take full control of your payment cards directly from your mobile device. Instantly turn your cards on or off, set spending limits, and define where and when they can be used. Manage your finances with enhanced security and personalized controls.

**Highlights:** Turn cards on/off, Set location-based controls, Block international transactions, Set spending limits, Mobile card management

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great app
- 🔒 Secure and helpful
- 👍 Provides good control over card
- 👍 Useful for budgeting

**What reviewers complain about**

- 🐛 Login issues
- 🐛 App not working
- 🐛 Unreliable notifications
- 🐛 Frequent log outs
- 🐛 Touch ID/Face ID not working

**Reported bugs**

- App not allowing login or password reset
- Transactions not showing up
- Card locking/unlocking not working as expected

**Requested features**

- Allow adding multiple cards from different banks
- Provide better customer support options
- Improve app stability and reliability


## Frequently asked questions

### Is Tropical Financial CU free?

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

### Is SecurLOCK Equip free?

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

### Which has better reviews, Tropical Financial CU or SecurLOCK Equip?

Tropical Financial CU is rated higher. Tropical Financial CU averages 4.8 out of 5 from 5.2K ratings, while SecurLOCK Equip averages 4.6 from 4.9K ratings.

### Do Tropical Financial CU or SecurLOCK Equip have ads?

Neither Tropical Financial CU nor SecurLOCK Equip shows ads.

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

Tropical Financial CU ships an update every 4 months, and SecurLOCK Equip every 5 months. Most recently, Tropical Financial CU was updated on November 10, 2026 and SecurLOCK Equip on November 11, 2026.

---

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