# LCFCU vs PNWFCU

The clearest difference is ads: LCFCU at none against PNWFCU's shown. LCFCU also leads on review sentiment (96% vs 76%). PNWFCU's advantage is monetization model (free vs free with in-app purchases). On price, rating, ratings volume and update cadence there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for LCFCU against 4.8 for PNWFCU. Both are backed by a comparable volume of ratings — 639 and 1.5K respectively. Written reviews are what separate them: 96% of LCFCU's written reviews are positive against 76% of PNWFCU's.

Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on September 18, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | LCFCU | PNWFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (639 ratings)](https://appshunter.io/ios/app/lcfcu/id580302708/reviews)** | [4.8 (1.5K ratings)](https://appshunter.io/ios/app/pnwfcu/id644348930/reviews) |
| Number of ratings | 639 | **1.5K** |
| Positive reviews | **96.3% of reviews** | 75.8% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | Every 4 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 109 MB | 165 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Library of Congress Federal Credit Union](https://appshunter.io/developer/580302731) | [PACIFIC NW FEDERAL CREDIT UNION](https://appshunter.io/developer/644348935) |

## What reviewers say

### LCFCU

[App page](https://appshunter.io/ios/app/lcfcu/id580302708)

Manage your finances conveniently from your mobile device. Access accounts instantly, pay bills, transfer funds, and locate ATMs. This app simplifies managing your money amidst busy modern life.

**Highlights:** Instant account access, Bill payment, Fund transfers, ATM locator, Remote financial services

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

**In-app purchases:** none


### PNWFCU

[App page](https://appshunter.io/ios/app/pnwfcu/id644348930)

Manage your finances conveniently from your mobile device. This app allows you to check balances, pay bills, deposit checks, and transfer funds. Locate nearby branches and ATMs, and securely communicate with the credit union.

**Highlights:** Check balances and transaction history, Pay bills and credit cards, Deposit checks, Transfer money between accounts, Find branches and ATMs, Send secure messages

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Pleasant interaction
- 🚀 Great app, very versatile with multiple options
- 🚀 Great to deposit checks, transfer money
- 👍 Convenient, easy to use

**What reviewers complain about**

- 🐛 Outdated app, hard to use for certain features
- 🐛 Issues with check deposit, camera not rotating
- 🔒 Locked out of account, no option to reset password
- 🐛 Inconsistent mobile check deposit functionality

**Reported bugs**

- Black screen when trying to deposit check
- Camera not rotating for check deposit

**Requested features**

- Option to freeze/cancel card when wallet is stolen
- Ability to turn off auto-focus feature for check deposit


## Frequently asked questions

### Is LCFCU free?

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

### Is PNWFCU free?

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

### Which has better reviews, LCFCU or PNWFCU?

LCFCU is rated higher. LCFCU averages 4.8 out of 5 from 639 ratings, while PNWFCU averages 4.8 from 1.5K ratings.

### Do LCFCU or PNWFCU have ads?

PNWFCU shows ads; LCFCU does not.

### Which is updated more often, LCFCU or PNWFCU?

LCFCU ships an update every 4 months, and PNWFCU every 4 months. Most recently, LCFCU was updated on September 18, 2026 and PNWFCU on September 24, 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.*