# Security First CU vs Rio Bank

Security First CU and Rio Bank both sit at 4.8 stars, but that hides the real split: 80% of Rio Bank's written reviews are positive against 14% of Security First CU's. Security First CU's advantage is ads (none vs shown) and 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 Security First CU against 4.9 for Rio Bank. Both are backed by a comparable volume of ratings — 1.9K and 1.4K respectively. Written reviews are what separate them: 14% of Security First CU's written reviews are positive against 80% of Rio Bank's.

Security First CU ships an update every 3 months, Rio Bank every 4 months. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Security First CU | Rio Bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.9K ratings)](https://appshunter.io/ios/app/security-first-cu/id583960730/reviews) | **[4.9 (1.4K ratings)](https://appshunter.io/ios/app/rio-bank/id983060279/reviews)** |
| Number of ratings | **1.9K** | 1.4K |
| Positive reviews | 13.6% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 3 months** | Every 4 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 123 MB | 99 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Security First Credit Union](https://appshunter.io/developer/583960733) | [Rio Bank](https://appshunter.io/developer/983060278) |

## What reviewers say

### Security First CU

[App page](https://appshunter.io/ios/app/security-first-cu/id583960730)

Manage your finances securely from your mobile device. Deposit checks, transfer funds, pay bills, and send money with Zelle. Access account balances, view recent transactions, and locate branches.

**Highlights:** Deposit checks with camera, Transfer funds between accounts, Pay bills on the go, Send money with Zelle, Check account balances, View recent transactions, Secure live chat

**Features:** Apple Wallet, Apple Watch app

**In-app purchases:** none

**What reviewers like**

- 👍 Awesome app
- 👍 Easy to use
- 👍 Modern and attractive design

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 Login issues
- 🐛 Connectivity problems
- 🐛 Compatibility issues with iOS updates
- 🔒 Security concerns with account lockouts

**Reported bugs**

- App crashes on startup
- Login screen freezes
- Incorrect security question answers
- Inability to access account after iOS updates

**Requested features**

- Mobile check deposit
- Improved Zelle integration
- 24/7 customer support


### Rio Bank

[App page](https://appshunter.io/ios/app/rio-bank/id983060279)

Manage your finances on the go with this mobile banking app. View account balances, review transactions, transfer funds, and deposit checks securely from your device. Find nearby branches and ATMs with ease.

**Highlights:** View account balances, Review transaction history, Transfer funds, Deposit checks, Find branches and ATMs, Secure data transmission

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Security First CU free?

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

### Is Rio Bank free?

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

### Which has better reviews, Security First CU or Rio Bank?

Rio Bank is rated higher. Security First CU averages 4.8 out of 5 from 1.9K ratings, while Rio Bank averages 4.9 from 1.4K ratings.

### Do Security First CU or Rio Bank have ads?

Rio Bank shows ads; Security First CU does not.

### Which is updated more often, Security First CU or Rio Bank?

Security First CU ships an update every 3 months, and Rio Bank every 4 months. Most recently, Security First CU was updated on October 24, 2026 and Rio Bank on October 26, 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.*