# ATFCU Mobile vs LCRA CU

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.

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

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.

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

## The numbers

| Metric | ATFCU Mobile | LCRA CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (2.1K ratings)](https://appshunter.io/ios/app/atfcu-mobile/id486995345/reviews) | **[4.8 (24 ratings)](https://appshunter.io/ios/app/lcra-cu/id6475880956/reviews)** |
| Number of ratings | **2.1K** | 24 |
| Positive reviews | 65.8% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 8 months | Every 8 months |
| Monetization | **Free** | Ad-supported |
| Size | 48 MB | 67 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Austin Telco Federal Credit Union](https://appshunter.io/developer/486995348) | [LCRA Credit Union](https://appshunter.io/developer/1725340411) |

## What reviewers say

### ATFCU Mobile

[App page](https://appshunter.io/ios/app/atfcu-mobile/id486995345)

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:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🔒 Great security features
- 👍 User-friendly interface
- 👍 Convenient banking on the go
- 🚀 Quick and reliable

**What reviewers complain about**

- 🐛 Laggy and slow performance
- 🐛 Buggy and unreliable
- 🐛 Confusing and cluttered interface
- 🐛 Frequent login issues
- 🐛 Mobile deposit not working

**Reported bugs**

- 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**

- 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


### LCRA CU

[App page](https://appshunter.io/ios/app/lcra-cu/id6475880956)

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

**In-app purchases:** none


## Frequently asked 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.

---

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