# SPFCU vs Financial Horizons CU

The clearest difference is review sentiment: SPFCU at 100% against Financial Horizons CU's 14%. SPFCU also leads on monetization model (free vs free with in-app purchases). Financial Horizons CU's advantage is rating (4.7 vs 3.9) and ratings volume (519 vs 8). 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.

Financial Horizons CU holds the better App Store score, 4.7 against 3.9. That said, the two scores are not equally well evidenced: Financial Horizons CU has 519 ratings behind it against 8, so its average is the more settled of the two. Written reviews complicate that: 100% of SPFCU's written reviews are positive against 14% of Financial Horizons CU's, so the app with the better star average is not the one people write more warmly about.

SPFCU ships an update every 4 months, Financial Horizons CU every 5 months. The most recent releases landed on September 30, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | SPFCU | Financial Horizons CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (8 ratings)](https://appshunter.io/ios/app/spfcu/id781771002/reviews) | **[4.7 (519 ratings)](https://appshunter.io/ios/app/financial-horizons-cu/id1107602738/reviews)** |
| Number of ratings | 8 | **519** |
| Positive reviews | **100.0% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 months** | Every 5 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 35 MB | 115 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Sierra Pacific Federal Credit Union](https://appshunter.io/developer/1482046465) | [Financial Horizons Credit Union](https://appshunter.io/developer/1107602737) |

## What reviewers say

### SPFCU

[App page](https://appshunter.io/ios/app/spfcu/id781771002)

Manage all your finances in one place with this comprehensive banking and budgeting app. Track accounts, deposit checks, control cards, and plan your financial future with interactive tools and personalized tips.

**Highlights:** Remote check deposit, Card controls, Budgeting tools, Transaction tracking, Goal setting, Debt management, Net worth tracking

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

**In-app purchases:** none


### Financial Horizons CU

[App page](https://appshunter.io/ios/app/financial-horizons-cu/id1107602738)

Access your credit union accounts conveniently from your mobile device.  Easily check balances, transfer funds, pay bills, and deposit checks securely.

**Highlights:** Check account balances, Transfer funds, Pay bills, Deposit checks, Secure mobile access

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

**In-app purchases:** none


## Frequently asked questions

### Is SPFCU free?

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

### Is Financial Horizons CU free?

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

### Which has better reviews, SPFCU or Financial Horizons CU?

Financial Horizons CU is rated higher. SPFCU averages 3.9 out of 5 from 8 ratings, while Financial Horizons CU averages 4.7 from 519 ratings.

### Do SPFCU or Financial Horizons CU have ads?

Neither SPFCU nor Financial Horizons CU shows ads.

### Which is updated more often, SPFCU or Financial Horizons CU?

SPFCU ships an update every 4 months, and Financial Horizons CU every 5 months. Most recently, SPFCU was updated on September 30, 2026 and Financial Horizons CU on October 20, 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.*