# Arsenal Credit Union vs TerrillFLEX

The clearest difference is rating: Arsenal Credit Union at 3.1 against TerrillFLEX's 1.0. Arsenal Credit Union also leads on update cadence (every 5 weeks vs every 4 months) and ratings volume (30 vs 1). TerrillFLEX's advantage is monetization model (free vs free with in-app purchases). 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.

Arsenal Credit Union holds the better App Store score, 3.1 against 1.0. That said, the two scores are not equally well evidenced: Arsenal Credit Union has 30 ratings behind it against 1, so its average is the more settled of the two.

Arsenal Credit Union ships an update every 5 weeks, TerrillFLEX every 4 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Arsenal Credit Union | TerrillFLEX |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.1 (30 ratings)](https://appshunter.io/ios/app/arsenal-credit-union/id443490422/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/terrillflex/id6443680366/reviews) |
| Number of ratings | **30** | 1 |
| Positive reviews | 62.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 179 MB | 29 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Arsenal Credit Union](https://appshunter.io/developer/443490425) | [Marsh & McLennan Agency](https://appshunter.io/developer/1027461929) |

## What reviewers say

### Arsenal Credit Union

[App page](https://appshunter.io/ios/app/arsenal-credit-union/id443490422)

Manage your finances on the go with this mobile banking app. View account balances, deposit checks, control cards, pay bills, and transfer funds. Connect with representatives for support.

**Highlights:** View account balances, Deposit checks, Control debit/credit cards, Pay bills, Transfer money, Chat with representatives

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Convenient
- 🚀 Faster than old app
- 💡 More features than old app
- 💳 Credit score feature

**What reviewers complain about**

- 🐛 Glitches constantly
- 🐛 Freezes and fails
- 🐛 Unreliable and slow
- 🐛 Login issues
- 🐛 App crashes frequently

**Reported bugs**

- App glitches constantly
- App freezes and fails when transferring money
- Continuously reset password to log in
- Login locks out again after reset
- "Are you a human" checkbox errors out

**Requested features**

- Bring back the old app
- Add Face ID login
- Improve bill pay functionality
- Allow credit card payment online
- Add iPad app


### TerrillFLEX

[App page](https://appshunter.io/ios/app/terrillflex/id6443680366)

Easily manage your health benefit accounts, including HSA, HRA, and FSA. Check balances, view claims, submit receipts, and make payments securely on the go. Access account details and manage investments with real-time updates.

**Highlights:** Check account balances, View account summaries and charts, Submit claims with receipts, Scan product barcodes for eligibility, Manage HSA investments, Secure login with Touch/Face ID

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Arsenal Credit Union free?

Arsenal Credit Union is free to download, with no in-app purchases.

### Is TerrillFLEX free?

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

### Which has better reviews, Arsenal Credit Union or TerrillFLEX?

Arsenal Credit Union is rated higher. Arsenal Credit Union averages 3.1 out of 5 from 30 ratings, while TerrillFLEX averages 1.0 from 1 ratings.

### Do Arsenal Credit Union or TerrillFLEX have ads?

Neither Arsenal Credit Union nor TerrillFLEX shows ads.

### Which is updated more often, Arsenal Credit Union or TerrillFLEX?

Arsenal Credit Union ships an update every 5 weeks, and TerrillFLEX every 4 months. Most recently, Arsenal Credit Union was updated on November 1, 2026 and TerrillFLEX on November 3, 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.*