# SPC Credit Union vs TCB

SPC Credit Union and TCB both sit at 4.8 stars, but that hides the real split: 76% of TCB's written reviews are positive against 40% of SPC Credit Union's. TCB also leads on ratings volume (2K vs 432). 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 — 4.8 for SPC Credit Union against 4.9 for TCB. Both are backed by a comparable volume of ratings — 432 and 2K respectively. Written reviews are what separate them: 40% of SPC Credit Union's written reviews are positive against 76% of TCB's.

SPC Credit Union ships an update every 3 weeks, TCB monthly. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | SPC Credit Union | TCB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (432 ratings)](https://appshunter.io/ios/app/spc-credit-union/id957903902/reviews) | **[4.9 (2K ratings)](https://appshunter.io/ios/app/tcb-2go/id6714482913/reviews)** |
| Number of ratings | 432 | **2K** |
| Positive reviews | 40.0% of reviews | **75.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 61 MB | 200 MB |
| Requires iOS | **17.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [SPC Cooperative Credit Union](https://appshunter.io/developer/957903901) | [The Citizens Bank (SC)](https://appshunter.io/developer/659482105) |

## What reviewers say

### SPC Credit Union

[App page](https://appshunter.io/ios/app/spc-credit-union/id957903902)

Manage your finances on the go with this mobile banking app. Deposit checks remotely, access your account information, and find branch locations and contact details easily.

**Highlights:** Mobile check deposit, Account access, Branch locator, Contact information, Website access

**Features:** Vision Pro support

**In-app purchases:** none


### TCB

[App page](https://appshunter.io/ios/app/tcb-2go/id6714482913)

Manage your finances on the go with this secure and fast application. Set up balance alerts, make payments, transfer funds, and deposit checks with a photo. You can also temporarily disable your debit card and locate nearby branches or ATMs.

**Highlights:** Balance alerts, Bill and person payments, Inter-account transfers, Mobile check deposit, Debit card control, Statement viewing, Branch and ATM locator

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 Great new features
- 🚀 Informative and easy to navigate
- 👍 Awesome banking app
- 👍 User friendly

**What reviewers complain about**

- 🐛 Deposit issues
- 🐛 Debit card locking issues
- 🐛 Remote deposit problems
- 🐛 Inconsistent app updates

**Reported bugs**

- Deposit issues
- Inconsistent app updates

**Requested features**

- Debit card locking/unlocking feature
- Improve remote deposit function


## Frequently asked questions

### Is SPC Credit Union free?

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

### Is TCB free?

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

### Which has better reviews, SPC Credit Union or TCB?

TCB is rated higher. SPC Credit Union averages 4.8 out of 5 from 432 ratings, while TCB averages 4.9 from 2K ratings.

### Do SPC Credit Union or TCB have ads?

Neither SPC Credit Union nor TCB shows ads.

### Which is updated more often, SPC Credit Union or TCB?

SPC Credit Union ships an update every 3 weeks, and TCB monthly. Most recently, SPC Credit Union was updated on October 24, 2026 and TCB on October 27, 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.*