MCCU vs Harbor Pointe CU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MCCU
Manage your finances on the go with this mobile banking application. Access account balances, transfer funds, pay bills, and deposit checks anytime, anywhere. Locate nearby branches and ATMs, and send money to friends and family.
- Check account balances and transactions
- Transfer funds between accounts
- Pay bills
- Deposit checks via mobile
- Find branches and ATMs
- Send and receive money with Zelle
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Mobile banking is easier than ever with Members Cooperative Credit Union's mobile app. Available 24/7 to all members of the credit union. MCCU Mobile allows you to check balances, transfer funds between your accounts, make bill payments, deposit checks. Available features allow you to: • Check your latest account balance and search recent transactions by date, amount, or Check number. • Customize your dashboard and info. • Easily transfer cash between your accounts • Pay bills. • Find the nearest MCCU branch and surcharge-free ATM. -Zelle is a fast and easy way to send and receive money with people you know and trust. • Make mobile check deposits. No need to wait until you're near an ATM or branch location*** * Your mobile carrier's message and data rates may apply. ** Terms, conditions, and fees apply. ***Deposits subject to verification; not available for immediate withdrawal. See terms for deposit limits/availability, other restrictions. To sign on to mobile banking use your MCCU online banking service and password to access account information via MCCU Mobile. If you are not set up for online access, you can: 1. Apply online: https://secure-membersccu.org/EnrollOnline/EnrollChoice.aspx 2. Call us: 800-296-8871 (8:00am-5:30pm CST) 3. Email: memberservices@membersccu.org
Harbor Pointe CU
Access your credit union accounts, loans, and credit card information on your smartphone. Manage payments, transfers, and view transaction history. Includes features like bill pay, mobile check deposit, and eStatements.
- Account access
- Loan management
- Credit card access
- Make payments
- Transfers
- View history
- Bill Pay
- Mobile Check Deposit
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Mobiliti is an Online Banking application designed for smartphone use. With Mobiliti on your smartphone, you have access to all of your Harbor Pointe Credit Union accounts, loans, and Harbor Pointe CU Visa© card. Make payments, transfers and view history. Also access Bill Pay, Popmoney, Mobile Check Deposit, eStatements and more. Mobiliti™ is a trademark of Fiserv, Inc. or its affiliates
Screenshots
Verdict
MCCU and Harbor Pointe CU both sit at 4.7 stars, but that hides the real split: 54% of MCCU's written reviews are positive against 25% of Harbor Pointe CU's. MCCU also leads on ratings volume (5.1K vs 366). Harbor Pointe CU's advantage is monetization model (free vs free with in-app purchases). On price, rating, update cadence and ads 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 — 4.7 for MCCU against 4.6 for Harbor Pointe CU. That said, the two scores are not equally well evidenced: MCCU has 5.1K ratings behind it against 366, so its average is the more settled of the two. Written reviews are what separate them: 54% of MCCU's written reviews are positive against 25% of Harbor Pointe CU's.
MCCU ships an update every 6 months, Harbor Pointe CU every 4 months. Both last shipped on November 2, 2026.
| Parameter | MCCU | Harbor Pointe CU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (5.1K ratings) — better | 4.6 (366 ratings) |
| Positive reviews | 54.3% of reviews — better | 25.0% of reviews |
| Number of ratings | 5.1K — better | 366 |
| Update frequency | Every 6 months | Every 4 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 122 MB | 189 MB |
| Age rating | 4+ | 4+ |
| Developer | Members Cooperative Credit Union | Harbor Pointe Credit Union |
Customer experience
MCCU
Harbor Pointe CU
Bugs and requests
MCCU
Reported bugs
4 issues- Frequent crashes and login issues
- Mobile deposit not working
- Accounts not syncing properly
- App freezes and becomes unresponsive
Requested features
4 requests- Dark mode support
- Mobile check deposit
- Ability to see full account details
- Improved widget support
Harbor Pointe CU
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MCCU
No in-app purchases
Harbor Pointe CU
No in-app purchases
Questions
Is MCCU free?
Is Harbor Pointe CU free?
Which has better reviews, MCCU or Harbor Pointe CU?
Do MCCU or Harbor Pointe CU have ads?
Which is updated more often, MCCU or Harbor Pointe CU?
Other comparisons
