# Pacific Service CU vs SPFCU

The clearest difference is rating: Pacific Service CU at 4.8 against SPFCU's 3.9. Pacific Service CU also leads on ratings volume (9.2K vs 8). SPFCU's advantage is review sentiment (100% vs 59%). On price, update cadence, ads 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.

Pacific Service CU holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: Pacific Service CU has 9.2K ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 59% of Pacific Service CU's written reviews are positive against 100% of SPFCU's, so the app with the better star average is not the one people write more warmly about.

Pacific Service CU ships an update every 6 months, SPFCU every 4 months. The most recent releases landed on November 6, 2026 and November 1, 2026 respectively.

## The numbers

| Metric | Pacific Service CU | SPFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (9.2K ratings)](https://appshunter.io/ios/app/pacific-service-cu/id470163758/reviews)** | [3.9 (8 ratings)](https://appshunter.io/ios/app/spfcu/id781771002/reviews) |
| Number of ratings | **9.2K** | 8 |
| Positive reviews | 59.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 4 months** |
| Monetization | Free | Free |
| Size | 30 MB | 35 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Pacific Service Credit Union](https://appshunter.io/developer/470163761) | [Sierra Pacific Federal Credit Union](https://appshunter.io/developer/1482046465) |

## 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


### SPFCU

[App page](https://appshunter.io/ios/app/spfcu/id781771002)

Manage all your finances in one place with this comprehensive banking and budgeting app. Track accounts, deposit checks, control cards, and plan your financial future with interactive tools and personalized tips.

**Highlights:** Remote check deposit, Card controls, Budgeting tools, Transaction tracking, Goal setting, Debt management, Net worth tracking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Pacific Service CU free?

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

### Is SPFCU free?

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

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

Pacific Service CU is rated higher. Pacific Service CU averages 4.8 out of 5 from 9.2K ratings, while SPFCU averages 3.9 from 8 ratings.

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

Neither Pacific Service CU nor SPFCU shows ads.

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

Pacific Service CU ships an update every 6 months, and SPFCU every 4 months. Most recently, Pacific Service CU was updated on November 6, 2026 and SPFCU on November 1, 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.*