Essential CU vs Shared Resources Credit Union
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Essential CU
Manage your credit union accounts conveniently from your mobile device. Access account information, transfer funds, pay bills, and deposit checks on the go. Easily locate ATMs and branches with this secure and user-friendly application.
- Check account balances
- View transaction history
- Transfer funds
- Pay bills
- Send money to contacts
- Deposit checks
- Find ATMs and branches
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The Essential Credit Union Mobile App allows you the power to access your account information on your mobile device at any time and from anywhere! Once you download the Essential mobile app, you simply login using the same credentials you have for Online Banking. The Essential app gives you the ability to: • Check balances • View your transaction history • Transfer funds • Pay bills • Pay or transfer money to friends and family in your device contacts • Deposit checks • Find ATMs and branches quickly and easily Download the convenient Essential Mobile App today!
Shared Resources Credit Union
Manage your finances on the go with this mobile banking app. View account balances, track transaction history, transfer funds between accounts, and pay bills conveniently. Access customer support directly through the app.
- View account balances
- Check transaction history
- Transfer money between accounts
- Pay bills
- View recent payments
- Direct customer support access
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Shared Resources Credit Union is now bringing you the convenience of Mobile Banking. The benefits include: Balances-view your account balances and transaction history Transfers-transfer money between your accounts Bill Pay-pay your bills and view recent payments Call Us-we are always here to assist you
Screenshots
Verdict
The clearest difference is ads: Essential CU at none against Shared Resources Credit Union's shown. Essential CU also leads on ratings volume (4.5K vs 176). Shared Resources Credit Union's advantage is review sentiment (100% vs 82%) and monetization model (ad-supported vs free with in-app purchases). On price, rating, update cadence and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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 Essential CU against 4.9 for Shared Resources Credit Union. That said, the two scores are not equally well evidenced: Essential CU has 4.5K ratings behind it against 176, so its average is the more settled of the two. Written reviews are what separate them: 82% of Essential CU's written reviews are positive against 100% of Shared Resources Credit Union's.
Essential CU ships an update every 3 months, Shared Resources Credit Union every 2 months. The most recent releases landed on October 23, 2026 and October 21, 2026 respectively.
| Parameter | Essential CU | Shared Resources Credit Union |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (4.5K ratings) | 4.9 (176 ratings) — better |
| Positive reviews | 81.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 4.5K — better | 176 |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPad, Apple Watch — better | iPhone, iPod |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 114 MB | 107 MB |
| Age rating | 4+ | 4+ |
| Developer | Essential Credit Union | SHARED RESOURCES CREDIT UNION |
Customer experience
Essential CU
Shared Resources Credit Union
Bugs and requests
Essential CU
Reported bugs
4 issues- Login screen freezes
- Account information not displaying correctly
- Deposit issues and delays
- Compatibility problems with newer devices
Requested features
4 requests- Ability to lock debit card
- Faster credit card payment updates
- More account management features
- Apple Pay integration
Shared Resources Credit Union
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Essential CU
No in-app purchases
Shared Resources Credit Union
No in-app purchases
Questions
Is Essential CU free?
Is Shared Resources Credit Union free?
Which has better reviews, Essential CU or Shared Resources Credit Union?
Do Essential CU or Shared Resources Credit Union have ads?
Which is updated more often, Essential CU or Shared Resources Credit Union?
Other comparisons
