# Pacific Service CU vs NavFi

Pacific Service CU and NavFi both sit at 4.8 stars, but that hides the real split: 100% of NavFi's written reviews are positive against 59% of Pacific Service CU's. NavFi also leads on update cadence (fortnightly vs every 6 months). Pacific Service CU's advantage is in-app purchases (none vs 2) and ratings volume (9.2K vs 7). On price, rating, ads and device support there is nothing between them.

Both are free to download. NavFi sells 2 in-app purchases, starting at $19.99 per month. Pacific Service CU asks for nothing beyond the download.

NavFi holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Pacific Service CU has 9.2K ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 59% of Pacific Service CU's written reviews are positive against 100% of NavFi's.

Pacific Service CU ships an update every 6 months, NavFi fortnightly. The most recent releases landed on November 10, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | Pacific Service CU | NavFi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (9.2K ratings)](https://appshunter.io/ios/app/pacific-service-cu/id470163758/reviews) | **[5.0 (7 ratings)](https://appshunter.io/ios/app/navfi/id6758457128/reviews)** |
| Number of ratings | **9.2K** | 7 |
| Positive reviews | 59.4% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 6 months | **Fortnightly** |
| Monetization | **Free** | Subscription |
| Size | 30 MB | 71 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pacific Service Credit Union](https://appshunter.io/developer/470163761) | [Navfi Inc.](https://appshunter.io/developer/1873011864) |

## What reviewers say

### Pacific Service CU

[App page](https://appshunter.io/ios/app/pacific-service-cu/id470163758)

Manage your finances on the go with this mobile banking application. Access account balances, transfer funds, deposit checks, and pay bills securely from your smartphone. Features include card controls, loan applications, and savings goal tracking.

**Highlights:** Secure account access, Transfer money, Deposit checks, Pay bills, Card controls, Mobile loan application, Redeem rewards, Savings goal tracking

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 💻 Convenient mobile banking
- 🤝 Excellent customer service
- 💳 Great banking products
- 🏦 Reliable credit union

**What reviewers complain about**

- 🐢 Slow and unresponsive app
- 🐛 Frequent bugs and glitches
- 🔒 Security issues with login/FaceID
- 📱 Incompatible with certain devices

**Reported bugs**

- App crashes or freezes during use
- Mobile deposit feature not working
- Login/FaceID recognition issues
- Delayed transaction updates

**Requested features**

- Bill pay feature with due date alerts
- Improved mobile deposit functionality
- Faster transaction processing and updates
- More user-friendly app interface


### NavFi

[App page](https://appshunter.io/ios/app/navfi/id6758457128)

This app provides a personalized, day-by-day financial plan for spending, bills, and savings. It connects to your accounts to offer guidance on what to do next, automatically rerouting your plan if circumstances change.

**Highlights:** Personalized day-by-day financial plan, Connect bank accounts or add manually, Automated bill payment and savings tracking, Real-time plan rerouting, AI-powered financial guidance, Smart credit card payment optimization

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| NavFi Monthly | $19.99 | per month |
| NavFi Yearly | $199.99 | per year |


## Frequently asked questions

### Is Pacific Service CU free?

Pacific Service CU is free to download, with no in-app purchases.

### Is NavFi free?

NavFi is free to download, with in-app purchases available.

### Which has better reviews, Pacific Service CU or NavFi?

NavFi is rated higher. Pacific Service CU averages 4.8 out of 5 from 9.2K ratings, while NavFi averages 5.0 from 7 ratings.

### Do Pacific Service CU or NavFi have ads?

Neither Pacific Service CU nor NavFi shows ads.

### Which is updated more often, Pacific Service CU or NavFi?

Pacific Service CU ships an update every 6 months, and NavFi fortnightly. Most recently, Pacific Service CU was updated on November 10, 2026 and NavFi on October 31, 2026.

---

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