# Texans CU vs SWACU

The clearest difference is rating: SWACU at 4.9 against Texans CU's 3.9. SWACU also leads on review sentiment (76% vs 43%) and monetization model (free vs free with in-app purchases). Texans CU's advantage is iOS requirement (16.0 vs 18.4). 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.

SWACU holds the better App Store score, 4.9 against 3.9. That said, the two scores are not equally well evidenced: SWACU has 4.1K ratings behind it against 199, so its average is the more settled of the two. Written reviews point the same way: 43% of Texans CU's written reviews are positive against 76% of SWACU's.

Texans CU ships an update every 2 months, SWACU every 4 weeks. The most recent releases landed on October 23, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Texans CU | SWACU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (199 ratings)](https://appshunter.io/ios/app/texans-cu/id541768266/reviews) | **[4.9 (4.1K ratings)](https://appshunter.io/ios/app/swacu/id6740840849/reviews)** |
| Number of ratings | 199 | **4.1K** |
| Positive reviews | 43.0% of reviews | **75.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 185 MB | 196 MB |
| Requires iOS | **16.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Texans Credit Union](https://appshunter.io/developer/541768349) | [Southwest Airlines Federal Credit Union](https://appshunter.io/developer/533214182) |

## What reviewers say

### 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


### SWACU

[App page](https://appshunter.io/ios/app/swacu/id6740840849)

Manage your finances on the go with this comprehensive banking app. Perform most branch transactions securely from your mobile device, 24/7. Organize transactions, deposit checks remotely, and control your debit cards.

**Highlights:** Organize transactions with tags, notes, and receipt photos, Secure and fast account monitoring, Remote check deposit, Debit card control (on/off), Schedule and view payments and transfers, Apply for new accounts and loans, Biometric authentication

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Terrific improvements from the previous version
- 👍 New app is awesome!
- 👍 Quicker, easier to use, and feels much more modern
- 👍 Great user interface
- 👍 Easy and quick to use

**What reviewers complain about**

- 🔍 Menus take a while to find where you need to go

**Reported bugs**

- No rewards counter in the new app

**Requested features**

- Provide rewards transactions and tracking


## Frequently asked questions

### Is Texans CU free?

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

### Is SWACU free?

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

### Which has better reviews, Texans CU or SWACU?

SWACU is rated higher. Texans CU averages 3.9 out of 5 from 199 ratings, while SWACU averages 4.9 from 4.1K ratings.

### Do Texans CU or SWACU have ads?

Neither Texans CU nor SWACU shows ads.

### Which is updated more often, Texans CU or SWACU?

Texans CU ships an update every 2 months, and SWACU every 4 weeks. Most recently, Texans CU was updated on October 23, 2026 and SWACU on October 25, 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.*