# PenFed Mobile vs St Thomas CU

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.

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 30, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | PenFed Mobile | St Thomas CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (63K ratings)](https://appshunter.io/ios/app/penfed-mobile/id460008350/reviews)** | [4.7 (102 ratings)](https://appshunter.io/ios/app/st-thomas-cu/id1515290227/reviews) |
| Number of ratings | **63K** | 102 |
| Positive reviews | **35.7% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Fortnightly** | Every 4 months |
| Monetization | **Free** | Ad-supported |
| Size | 151 MB | 119 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pentagon Federal Credit Union](https://appshunter.io/developer/407249051) | [St Thomas Credit Union](https://appshunter.io/developer/496755535) |

## What reviewers say

### PenFed Mobile

[App page](https://appshunter.io/ios/app/penfed-mobile/id460008350)

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.

**Highlights:** Mobile deposits and payments, Bill payment services, Account and statement management, Money transfers, Personalized notifications

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy banking
- 💫 Excellent credit union
- 🔒 Secure banking
- 👍 User-friendly app design

**What reviewers complain about**

- 🐛 Frequent app crashes and freezes
- 🕰️ Slow transaction processing
- 🔑 Inconvenient login process
- ⚠️ Unreliable app functionality
- 🤔 Missing key features

**Reported bugs**

- Inability to view transactions
- Mobile deposit issues
- Login and authentication problems
- Inconsistent app performance

**Requested features**

- Dark mode option
- Transaction history details
- Debit/credit card management
- Improved mobile check deposit
- In-app bill pay and transfers


### St Thomas CU

[App page](https://appshunter.io/ios/app/st-thomas-cu/id1515290227)

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.

**Highlights:** Check account balances, Review recent transactions, Transfer funds between accounts, View and pay bills, Secure and fast access

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is PenFed Mobile free?

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

### Is St Thomas CU free?

St Thomas CU is free to download, with no in-app purchases.

### Which has better reviews, PenFed Mobile or St Thomas CU?

PenFed Mobile is rated higher. PenFed Mobile averages 4.8 out of 5 from 63K ratings, while St Thomas CU averages 4.7 from 102 ratings.

### Do PenFed Mobile or St Thomas CU have ads?

St Thomas CU shows ads; PenFed Mobile does not.

### Which is updated more often, PenFed Mobile or St Thomas CU?

PenFed Mobile ships an update fortnightly, and St Thomas CU every 4 months. Most recently, PenFed Mobile was updated on October 30, 2026 and St Thomas CU on October 24, 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.*