# MCCU vs Affinity Plus Mobile Banking

The clearest difference is ads: Affinity Plus Mobile Banking at none against MCCU's shown. Affinity Plus Mobile Banking also leads on monetization model (free vs free with in-app purchases) and update cadence (every 2 months vs every 6 months). On price, rating, in-app purchases and device support 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 4.8 for Affinity Plus Mobile Banking. That said, the two scores are not equally well evidenced: Affinity Plus Mobile Banking has 65K ratings behind it against 4.7K, 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 67% of Affinity Plus Mobile Banking's.

MCCU ships an update every 6 months, Affinity Plus Mobile Banking every 2 months. The most recent releases landed on October 17, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | MCCU | Affinity Plus Mobile Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (4.7K ratings)](https://appshunter.io/ios/app/mccu-mobile/id1033259973/reviews) | **[4.8 (65K ratings)](https://appshunter.io/ios/app/affinity-plus-mobile-banking/id1298145292/reviews)** |
| Number of ratings | 4.7K | **65K** |
| Positive reviews | 54.3% of reviews | **67.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 6 months | **Every 2 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 118 MB | 33 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPad, iPod | **iPhone, iPad, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Members Cooperative Credit Union](https://appshunter.io/developer/506659266) | [Affinity Plus Federal Credit Union](https://appshunter.io/developer/645969418) |

## 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

**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


### Affinity Plus Mobile Banking

[App page](https://appshunter.io/ios/app/affinity-plus-mobile-banking/id1298145292)

Manage your finances with comprehensive tools for budgeting, spending analysis, and savings goals. Securely handle payments, activate cards, and monitor your credit score. Supports business accounts with advanced reporting and user access controls.

**Highlights:** Budget tracking, Net worth calculation, Digital wallet integration, Card activation and replacement, Spending analysis, Savings goals, Credit score monitoring, Check deposit

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and user-friendly
- 🚀 Efficient mobile banking experience
- 🔒 Secure login options (e.g., Face ID, Touch ID)
- 💡 Helpful account management features
- 🚀 Quick check deposit process

**What reviewers complain about**

- 🐛 Frequent app crashes and glitches
- 🤔 Confusing new interface design
- 🤦‍♀️ Removed or hidden key functionality (e.g., scheduled principal payments)
- 🔍 Difficult to navigate and find information
- 🕰️ Slow app performance and loading times

**Reported bugs**

- App frequently crashes when trying to deposit checks
- Login issues and inability to reset password
- Pending transactions not showing correctly
- Inconsistent app behavior across devices
- Inability to access certain account features

**Requested features**

- Add dark mode option
- Improve mobile check deposit reliability
- Allow easier toggling between multiple accounts
- Streamline login and authentication process
- Provide more customization options


## Frequently asked questions

### Is MCCU free?

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

### Is Affinity Plus Mobile Banking free?

Affinity Plus Mobile Banking is free to download, with no in-app purchases.

### Which has better reviews, MCCU or Affinity Plus Mobile Banking?

Affinity Plus Mobile Banking is rated higher. MCCU averages 4.7 out of 5 from 4.7K ratings, while Affinity Plus Mobile Banking averages 4.8 from 65K ratings.

### Do MCCU or Affinity Plus Mobile Banking have ads?

MCCU shows ads; Affinity Plus Mobile Banking does not.

### Which is updated more often, MCCU or Affinity Plus Mobile Banking?

MCCU ships an update every 6 months, and Affinity Plus Mobile Banking every 2 months. Most recently, MCCU was updated on October 17, 2026 and Affinity Plus Mobile Banking on October 19, 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.*