# CardNav vs Access Credit Union

The clearest difference is review sentiment: Access Credit Union at 100% against CardNav's 30%. Access Credit Union also leads on rating (5.0 vs 4.4) and device support (4 vs 2). CardNav's advantage is ratings volume (1.1K vs 5) and update cadence (every 6 months vs every 19 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Access Credit Union holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: CardNav has 1.1K ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 30% of CardNav's written reviews are positive against 100% of Access Credit Union's.

CardNav ships an update every 6 months, Access Credit Union every 19 months. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | CardNav | Access Credit Union |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.1K ratings)](https://appshunter.io/ios/app/cardnav/id844413062/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/access-credit-union/id1289387025/reviews)** |
| Number of ratings | **1.1K** | 5 |
| Positive reviews | 29.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 months** | Every 19 months |
| Monetization | Free | Free |
| Size | 47 MB | 104 MB |
| Requires iOS | 14.0 | **11.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [CO-OP Financial Services](https://appshunter.io/developer/365653538) | [ACCESS CU](https://appshunter.io/developer/1289387024) |

## What reviewers say

### CardNav

[App page](https://appshunter.io/ios/app/cardnav/id844413062)

Monitor and manage your debit and credit cards with transaction alerts and customizable usage controls. Define when, where, and how your cards can be used to enhance security and prevent fraud.

**Highlights:** Transaction alerts, Customizable usage settings, Define card usage locations, Define card usage times, Card monitoring and management

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant transaction notifications
- 🔒 Ability to turn card on/off
- 👍 Helpful security features
- 💡 Customizable notification settings

**What reviewers complain about**

- 🐛 Frequent login/password issues
- 🐛 Incorrect account balances
- 🐛 Unreliable card locking/unlocking
- 🐛 Compatibility problems with newer versions

**Reported bugs**

- App crashes when trying to log in
- Unable to add or remove cards
- Delayed or missing transaction notifications

**Requested features**

- Restore Touch ID/Face ID login
- Add ability to transfer funds between accounts
- Improve password management support
- Provide better communication during app outages


### Access Credit Union

[App page](https://appshunter.io/ios/app/access-credit-union/id1289387025)

Manage your finances conveniently on the go. This mobile banking app allows you to check account balances, review transaction history, transfer funds between accounts, and make loan payments securely.

**Highlights:** Check balances, View transaction history, Transfer funds, Pay loans, Secure messaging

**In-app purchases:** none


## Frequently asked questions

### Is CardNav free?

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

### Is Access Credit Union free?

Access Credit Union is free to download, with no in-app purchases.

### Which has better reviews, CardNav or Access Credit Union?

Access Credit Union is rated higher. CardNav averages 4.4 out of 5 from 1.1K ratings, while Access Credit Union averages 5.0 from 5 ratings.

### Do CardNav or Access Credit Union have ads?

Neither CardNav nor Access Credit Union shows ads.

### Which is updated more often, CardNav or Access Credit Union?

CardNav ships an update every 6 months, and Access Credit Union every 19 months. Most recently, CardNav was updated on November 6, 2026 and Access Credit Union on November 3, 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.*