# MCCU vs Harbor Pointe CU

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.

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.

## The numbers

| Metric | MCCU | Harbor Pointe CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (5.1K ratings)](https://appshunter.io/ios/app/mccu-mobile/id1033259973/reviews)** | [4.6 (366 ratings)](https://appshunter.io/ios/app/harbor-pointe-cu-mobility/id1136209816/reviews) |
| Number of ratings | **5.1K** | 366 |
| Positive reviews | **54.3% of reviews** | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 4 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 122 MB | 189 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Members Cooperative Credit Union](https://appshunter.io/developer/506659266) | [Harbor Pointe Credit Union](https://appshunter.io/developer/1136209815) |

## What reviewers say

### MCCU

[App page](https://appshunter.io/ios/app/mccu-mobile/id1033259973)

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.

**Highlights:** 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

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile banking
- 💳 Good banking services
- 🤝 Friendly and helpful staff

**What reviewers complain about**

- 🐛 Buggy and glitchy app
- ⏱️ Slow and unresponsive
- 🔒 Security issues with login
- 💻 Not optimized for tablets/iPads

**Reported bugs**

- Frequent crashes and login issues
- Mobile deposit not working
- Accounts not syncing properly
- App freezes and becomes unresponsive

**Requested features**

- Dark mode support
- Mobile check deposit
- Ability to see full account details
- Improved widget support


### Harbor Pointe CU

[App page](https://appshunter.io/ios/app/harbor-pointe-cu-mobility/id1136209816)

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.

**Highlights:** Account access, Loan management, Credit card access, Make payments, Transfers, View history, Bill Pay, Mobile Check Deposit

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

**In-app purchases:** none


## Frequently asked questions

### Is MCCU free?

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

### Is Harbor Pointe CU free?

Harbor Pointe CU is free to download, with no in-app purchases.

### Which has better reviews, MCCU or Harbor Pointe CU?

MCCU is rated higher. MCCU averages 4.7 out of 5 from 5.1K ratings, while Harbor Pointe CU averages 4.6 from 366 ratings.

### Do MCCU or Harbor Pointe CU have ads?

Neither MCCU nor Harbor Pointe CU shows ads.

### Which is updated more often, MCCU or Harbor Pointe CU?

MCCU ships an update every 6 months, and Harbor Pointe CU every 4 months. Most recently, MCCU was updated on November 2, 2026 and Harbor Pointe CU on November 2, 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.*