# Sierra Central CU vs SactoCU

Sierra Central CU and SactoCU both sit at 4.7 stars, but that hides the real split: 63% of SactoCU's written reviews are positive against 48% of Sierra Central CU's. Sierra Central CU's advantage is ratings volume (6.8K vs 2K). On price, rating, update cadence and ads 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 — 4.7 for Sierra Central CU against 4.8 for SactoCU. Both are backed by a comparable volume of ratings — 6.8K and 2K respectively. Written reviews are what separate them: 48% of Sierra Central CU's written reviews are positive against 63% of SactoCU's.

Both ship on a similar rhythm, roughly every 4 months. Both last shipped on November 6, 2026.

## The numbers

| Metric | Sierra Central CU | SactoCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (6.8K ratings)](https://appshunter.io/ios/app/sierra-central-cu/id594832230/reviews) | **[4.8 (2K ratings)](https://appshunter.io/ios/app/sactocu/id1413880148/reviews)** |
| Number of ratings | **6.8K** | 2K |
| Positive reviews | 47.9% of reviews | **63.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | Every 4 months |
| Monetization | Free | Free |
| Size | 97 MB | 104 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Sierra Central Credit Union](https://appshunter.io/developer/594832233) | [SACRAMENTO CREDIT UNION](https://appshunter.io/developer/604155571) |

## What reviewers say

### Sierra Central CU

[App page](https://appshunter.io/ios/app/sierra-central-cu/id594832230)

Manage your finances on the go with this mobile banking app. It offers 24/7 access to your accounts, mobile deposits, bill payments, and loan applications. Track spending, monitor your credit score, and benefit from enhanced fraud protection.

**Highlights:** 24/7 Account Access, Mobile Check Deposit, Bill Payment, Loan Applications, Credit Score Tracking, Spending Analysis, Fraud Protection

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Great customer service
- 🚀 Convenient and functional
- 💡 Zelle integration
- 👍 User-friendly app
- 👍 Friendly and helpful staff

**What reviewers complain about**

- 🐛 Buggy and glitchy app
- 🔒 Frequent login issues
- 🔒 Unreliable security features
- 🔍 Difficult to use
- 🔍 Poor user experience

**Reported bugs**

- App crashes and freezes
- Login issues and password problems
- Mobile deposit failures
- Unreliable account balance updates
- Incompatibility with biometric login

**Requested features**

- Ability to pay extra on loans
- Longer transaction history storage
- Debit cards with tap functionality
- Improved mobile deposit process
- Easier account management


### SactoCU

[App page](https://appshunter.io/ios/app/sactocu/id1413880148)

Manage your Sacramento Credit Union accounts securely and conveniently on your mobile device. Perform transactions like bill payments, transfers, and check deposits. Access account details, find ATMs, and utilize biometric login for quick access.

**Highlights:** Bill Pay, Transfers, Account Balance and Activity, Check Deposit, Popmoney, Branch and ATM Locations, Touch ID and Face ID

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

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient
- 👍 Fantastic app
- 👍 Wonderful mobile banking
- 👍 Fantastic credit union
- 👍 Convenient and useful

**What reviewers complain about**

- 🐛 Horrible update
- 🐛 Freezes up for mobile deposits
- 🐛 Lack of night mode
- 🐛 Issues with confirming identity
- 🐛 Non-user friendly for Apple users

**Reported bugs**

- Login page issues
- Temporary password not received
- Locking users out after password change

**Requested features**

- Update the app more frequently
- Improve mobile check deposit
- Add night mode option
- Allow access to multiple accounts


## Frequently asked questions

### Is Sierra Central CU free?

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

### Is SactoCU free?

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

### Which has better reviews, Sierra Central CU or SactoCU?

SactoCU is rated higher. Sierra Central CU averages 4.7 out of 5 from 6.8K ratings, while SactoCU averages 4.8 from 2K ratings.

### Do Sierra Central CU or SactoCU have ads?

Neither Sierra Central CU nor SactoCU shows ads.

### Which is updated more often, Sierra Central CU or SactoCU?

Sierra Central CU ships an update every 4 months, and SactoCU every 4 months. Most recently, Sierra Central CU was updated on November 6, 2026 and SactoCU on November 6, 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.*