Comparison

ATFCU Mobile vs LCRA CU

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ATFCU Mobile

Manage your finances on the go with this mobile banking app. Send and receive money, pay bills, deposit checks, and track your spending. Securely access your accounts and manage your cards from anywhere.

Highlights
  • Bill Pay
  • Mobile Check Deposit
  • Fund Transfers
  • Person-to-Person Payments
  • Card Management
  • Link External Accounts
  • Credit Score Updates
  • Biometric Login
Features
Read full description

Introducing the all-in-one mobile banking solution designed exclusively for Austin Telco Federal Credit Union members. Carry your credit union in your pocket and experience financial freedom like never before. Experience the next generation of banking with the Austin Telco mobile app, where eligible credit union members can: Send & Receive Funds • Bill Pay: No stamps, no envelopes, just a few taps. Manage and pay your bills directly through the app. • Mobile Deposit: Deposit checks anytime, anywhere, without visiting a branch. • Transfer Funds: Move money between your accounts in seconds. • Person-to-Person Transfer: Send money to friends and family, whether they bank at Austin Telco or not. Track & Manage Your Finances • Card Management: Block, activate or report a lost or stolen card. • Link External Accounts: Consolidate your financial world! Link your external bank accounts to view balances, transactions, and more—all in one place. • View Credit Score: Stay ahead of your financial goals with free credit score updates. • Transaction Insights: Empower your financial decisions with tailored insights on your spending habits. Stay Secure • Find a Location: Easily locate ATMs and branches near you. • Send a Secure Message: Need assistance? Send a message safely and directly to our support team. • Biometric Login: Access your accounts swiftly and securely using your fingerprint or facial recognition. Convenience, security, and innovative features make this app a must-have for all Austin Telco members. Whether you're saving up for a dream vacation, sending quick payments, or simply tracking daily expenses, we're with you at every step. Harness the power of mobile banking and elevate your financial journey. Join thousands of satisfied members and experience the next-gen banking solution.

About

LCRA CU

Manage your finances conveniently from your mobile device. Check balances, review transactions, transfer funds, and pay bills securely and quickly. Access your accounts anytime, anywhere with this free application.

Highlights
  • Check account balances
  • Review recent transactions
  • Transfer funds between accounts
  • View and pay bills
  • Password reset functionality
Read full description

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. • Enroll for OLB & Mobiliti via the mobile app. • Enroll for Bill Payment via the mobile app. • Click on forget password to change your password Federally insured by the NCUA.

Screenshots

ATFCU Mobile4 screens
LCRA CU4 screens

Verdict

The call

The clearest difference is ads: ATFCU Mobile at none against LCRA CU's shown. ATFCU Mobile also leads on ratings volume (2.1K vs 24) and monetization model (free vs ad-supported). LCRA CU's advantage is rating (4.8 vs 4.4). On price, update cadence, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

LCRA CU holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: ATFCU Mobile has 2.1K ratings behind it against 24, so its average is the more settled of the two.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 8 months. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
ATFCU Mobile versus LCRA CU: the parameters behind the verdict, then further details
ParameterATFCU MobileLCRA CU
PriceFreeFree
Rating4.4 (2.1K ratings)4.8 (24 ratings) — better
Positive reviews65.8% of reviews—
Number of ratings2.1K — better24
Update frequencyEvery 8 monthsEvery 8 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPod
Requires iOS16.015.0 — better
Further details — not scored
Size48 MB67 MB
Age rating4+4+
DeveloperAustin Telco Federal Credit UnionLCRA Credit Union

Customer experience

ATFCU Mobile

All ratings1,833 ratings
Positive83.4%
Neutral4.1%
Negative12.5%
Written reviews407 reviews
Positive65.8%
Neutral6.9%
Negative27.3%

LCRA CU

All ratings20 ratings
Positive95.0%
Neutral5.0%
Negative0.0%

Bugs and requests

ATFCU Mobile

Reported bugs

5 issues
  • App crashes frequently
  • Face ID/fingerprint login not working
  • Accounts not displaying properly
  • Transfers and payments not processing
  • Inability to access past transactions

Requested features

6 requests
  • Add ability to make IRA deposits online
  • Improve transaction history and details
  • Provide more customization options
  • Implement better account management tools
  • Add mobile check deposit functionality
Show 1 more
  • Improve alert and notification system

LCRA CU

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ATFCU Mobile

No in-app purchases

None

LCRA CU

No in-app purchases

Questions

Is ATFCU Mobile free?
ATFCU Mobile is free to download, with no in-app purchases.
Is LCRA CU free?
LCRA CU is free to download, with no in-app purchases.
Which has better reviews, ATFCU Mobile or LCRA CU?
LCRA CU is rated higher. ATFCU Mobile averages 4.4 out of 5 from 2.1K ratings, while LCRA CU averages 4.8 from 24 ratings.
Do ATFCU Mobile or LCRA CU have ads?
LCRA CU shows ads; ATFCU Mobile does not.
Which is updated more often, ATFCU Mobile or LCRA CU?
ATFCU Mobile ships an update every 8 months, and LCRA CU every 8 months. Most recently, ATFCU Mobile was updated on October 26, 2026 and LCRA CU on October 24, 2026.

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