PenFed Mobile vs St Thomas CU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PenFed Mobile
Manage your finances on the go with this secure mobile banking application. Easily make deposits, pay bills, transfer funds, and view account statements. Enjoy a streamlined and personalized banking experience with real-time notifications.
- Mobile deposits and payments
- Bill payment services
- Account and statement management
- Money transfers
- Personalized notifications
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PenFed’s mobile app makes daily banking simple, seamless and secure. Access accounts, move money and more. The PenFed mobile app is more than just a banking tool; it's a gateway to financial empowerment. The intuitive structure, sleek new design and faster interface create a delightful mobile banking experience that makes it easy to: - Make deposits and payments - Pay your bills - Manage your accounts and statements - Transfer money your way We use analytics to tailor your experience better than ever. You can also stay connected with real-time, personalized notifications that keep you informed and engaged.
St Thomas CU
Manage your finances conveniently from your mobile device. Check balances, review transactions, pay bills, and transfer funds securely and quickly. Access is free, but standard messaging and data rates may apply.
- Check account balances
- Review recent transactions
- Transfer funds between accounts
- View and pay bills
- Secure and fast access
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Access your accounts when and where you want right in the palm of your hand. It’s fast, secure, and free access to your accounts anytime, anywhere. You have access to check your balances, pay bills, and transfer money...while you are on the go! Features: • Check your account balances • Review recent transactions • Transfer funds between your accounts • View and pay bills (you must be enrolled in bill pay within online banking) You need to be enrolled in Online Banking to use this app. To enroll, visit our website at https://stthomascu.org/. Mobile banking is free to access, but messaging and data rates may apply. Federally insured by the NCUA.
Screenshots
Verdict
The clearest difference is ads: PenFed Mobile at none against St Thomas CU's shown. PenFed Mobile also leads on update cadence (fortnightly vs every 4 months) and ratings volume (63K vs 102). On price, rating, review sentiment and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for PenFed Mobile against 4.7 for St Thomas CU. That said, the two scores are not equally well evidenced: PenFed Mobile has 63K ratings behind it against 102, so its average is the more settled of the two. Written reviews are what separate them: 36% of PenFed Mobile's written reviews are positive against 33% of St Thomas CU's.
PenFed Mobile ships an update fortnightly, St Thomas CU every 4 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | PenFed Mobile | St Thomas CU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (63K ratings) — better | 4.7 (102 ratings) |
| Positive reviews | 35.7% of reviews — better | 33.3% of reviews |
| Number of ratings | 63K — better | 102 |
| Update frequency | Fortnightly — better | Every 4 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 151 MB | 119 MB |
| Age rating | 4+ | 4+ |
| Developer | Pentagon Federal Credit Union | St Thomas Credit Union |
Customer experience
PenFed Mobile
St Thomas CU
Bugs and requests
PenFed Mobile
Reported bugs
4 issues- Inability to view transactions
- Mobile deposit issues
- Login and authentication problems
- Inconsistent app performance
Requested features
5 requests- Dark mode option
- Transaction history details
- Debit/credit card management
- Improved mobile check deposit
- In-app bill pay and transfers
St Thomas CU
Not enough reviews yet to summarise bugs or requests.
In-app purchases
PenFed Mobile
No in-app purchases
St Thomas CU
No in-app purchases
Questions
Is PenFed Mobile free?
Is St Thomas CU free?
Which has better reviews, PenFed Mobile or St Thomas CU?
Do PenFed Mobile or St Thomas CU have ads?
Which is updated more often, PenFed Mobile or St Thomas CU?
Other comparisons
