# CentricCU vs Tower Loan

The clearest difference is rating: CentricCU at 4.8 against Tower Loan's 3.0. CentricCU also leads on review sentiment (63% vs 22%) and ratings volume (3.7K vs 47). Tower Loan's advantage is monetization model (free vs ad-supported). 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.

CentricCU holds the better App Store score, 4.8 against 3.0. That said, the two scores are not equally well evidenced: CentricCU has 3.7K ratings behind it against 47, so its average is the more settled of the two. Written reviews point the same way: 63% of CentricCU's written reviews are positive against 22% of Tower Loan's.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 19, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | CentricCU | Tower Loan |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.7K ratings)](https://appshunter.io/ios/app/centriccu/id6737481156/reviews)** | [3.0 (47 ratings)](https://appshunter.io/ios/app/tower-loan/id6739587104/reviews) |
| Number of ratings | **3.7K** | 47 |
| Positive reviews | **62.7% of reviews** | 22.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Ad-supported | **Free** |
| Size | 196 MB | 41 MB |
| Requires iOS | 18.4 | **17.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Centric FCU](https://appshunter.io/developer/501819971) | [Tower Loan](https://appshunter.io/developer/1786183195) |

## What reviewers say

### CentricCU

[App page](https://appshunter.io/ios/app/centriccu/id6737481156)

Manage your finances conveniently on the go. This app allows you to check accounts, transfer funds, pay bills, and deposit checks. It also offers budgeting tools and credit report viewing for comprehensive financial management.

**Highlights:** Check account balances, Transfer funds, Pay bills, Deposit checks, View credit report, Budgeting tools

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Enhanced features
- 👍 User-friendly app
- 💡 Budgeting tools and insights
- 👍 Efficient for banking needs
- 👍 Clean and intuitive design

**What reviewers complain about**

- 🐛 Unlock card issue
- 🐛 Money disappearing and new charges
- 🐛 Accounts not accessible for days
- 👎 Overly complicated and hard to navigate

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Dark mode option
- Improved Zelle integration


### Tower Loan

[App page](https://appshunter.io/ios/app/tower-loan/id6739587104)

Easily manage your loan account with this mobile app. Check balances, make payments, view statements, and get important notifications. Access branch information and customer support conveniently.

**Highlights:** Check balance and due date, Make and schedule payments, View and download e-statements, Receive payment reminders, Update payment methods, Locate branches and ATMs, Contact customer support

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

**In-app purchases:** none


## Frequently asked questions

### Is CentricCU free?

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

### Is Tower Loan free?

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

### Which has better reviews, CentricCU or Tower Loan?

CentricCU is rated higher. CentricCU averages 4.8 out of 5 from 3.7K ratings, while Tower Loan averages 3.0 from 47 ratings.

### Do CentricCU or Tower Loan have ads?

Neither CentricCU nor Tower Loan shows ads.

### Which is updated more often, CentricCU or Tower Loan?

CentricCU ships an update every 3 weeks, and Tower Loan every 3 weeks. Most recently, CentricCU was updated on October 19, 2026 and Tower Loan on October 14, 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.*