# MyNCU Mobile vs Texans CU

The clearest difference is rating: MyNCU Mobile at 4.8 against Texans CU's 3.9. MyNCU Mobile also leads on monetization model (free vs free with in-app purchases) and review sentiment (65% vs 43%). 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.

MyNCU Mobile holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: MyNCU Mobile has 7.6K ratings behind it against 199, so its average is the more settled of the two. Written reviews point the same way: 65% of MyNCU Mobile's written reviews are positive against 43% of Texans CU's.

MyNCU Mobile ships an update every 3 months, Texans CU every 2 months. The most recent releases landed on November 1, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | MyNCU Mobile | Texans CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (7.6K ratings)](https://appshunter.io/ios/app/myncu-mobile/id503201558/reviews)** | [3.9 (199 ratings)](https://appshunter.io/ios/app/texans-cu/id541768266/reviews) |
| Number of ratings | **7.6K** | 199 |
| Positive reviews | **65.4% of reviews** | 43.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 115 MB | 185 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Neighborhood Credit Union – Dallas, Texas](https://appshunter.io/developer/503201561) | [Texans Credit Union](https://appshunter.io/developer/541768349) |

## What reviewers say

### MyNCU Mobile

[App page](https://appshunter.io/ios/app/myncu-mobile/id503201558)

Manage your finances on the go with this banking app. Send money, deposit checks, pay bills, and control your debit and credit cards. Access account information, apply for loans, and track financial goals securely.

**Highlights:** Send money with Zelle, Mobile wallet payments, Card controls and alerts, Mobile check deposit, Biometric login, Apply for accounts and loans, Bill pay and transfers

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🤩 Excellent service and commitment to members
- 👍 User-friendly and intuitive app
- 🚀 Convenient mobile banking features
- 💰 Competitive rates and products

**What reviewers complain about**

- 🐛 Buggy and glitchy performance
- 🤔 Confusing UI changes
- 🔒 Concerns about security and privacy
- 🚫 Inability to access accounts

**Reported bugs**

- Frequent app crashes and freezes
- Mobile deposit feature not working properly
- Inability to access accounts after app updates

**Requested features**

- Add mobile check deposit
- Implement Apple/Google Pay support
- Improve mobile deposit functionality
- Provide better in-app support and communication


### Texans CU

[App page](https://appshunter.io/ios/app/texans-cu/id541768266)

Manage your finances on the go with this mobile banking application. View account balances, review recent transactions, transfer funds, pay bills, and deposit checks conveniently from your device.

**Highlights:** View account balances, Review recent transactions, Transfer money, Pay bills, Deposit checks

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface and easy navigation
- 💰 Convenient mobile check deposit feature
- 🔒 Secure authentication options (Face ID, fingerprint)
- 💳 Ability to transfer funds between accounts
- 📊 Transaction tracking and spending insights

**What reviewers complain about**

- 🐛 Frequent crashes and app freezes
- 🐛 Blank white screen on launch
- ⏳ Persistent loading icons and slow performance
- 🔐 Login credential issues and authentication failures
- 📱 Repeated forced sign-outs

**Reported bugs**

- App fails to open or displays blank white screen
- Face ID only works on initial app launch
- Indefinite loading circles on settings tabs
- Camera shaded/unable to capture check images
- Login credentials rejected despite being correct

**Requested features**

- Zelle integration and functionality
- Credit card payment capability through app
- Account nickname/custom naming feature
- Quick balance widget for lock screen
- Dark mode/Night mode support


## Frequently asked questions

### Is MyNCU Mobile free?

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

### Is Texans CU free?

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

### Which has better reviews, MyNCU Mobile or Texans CU?

MyNCU Mobile is rated higher. MyNCU Mobile averages 4.8 out of 5 from 7.6K ratings, while Texans CU averages 3.9 from 199 ratings.

### Do MyNCU Mobile or Texans CU have ads?

Neither MyNCU Mobile nor Texans CU shows ads.

### Which is updated more often, MyNCU Mobile or Texans CU?

MyNCU Mobile ships an update every 3 months, and Texans CU every 2 months. Most recently, MyNCU Mobile was updated on November 1, 2026 and Texans CU on October 23, 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.*