Comparison

MCCU vs MPECU App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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

About

MPECU App

Manage your finances with this app, offering tools to organize transactions, set alerts, make payments, and transfer money. It also allows for mobile check deposits, debit card management, and finding nearby branches and ATMs.

Highlights
  • Organize transactions with tags, notes, and photos
  • Set balance alerts
  • Make payments and transfer money
  • Deposit checks via photo
  • Manage debit cards
  • View monthly statements
  • Find branches and ATMs
Features
Read full description

MPECU App is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with MPECU App: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Aggregate your financial accounts

Screenshots

MCCU4 screens
MPECU App4 screens

Verdict

The call

MCCU and MPECU App both sit at 4.7 stars, but that hides the real split: 100% of MPECU App's written reviews are positive against 54% of MCCU's. MPECU App also leads on update cadence (monthly vs every 6 months). MCCU's advantage is ratings volume (5.1K vs 388) and iOS requirement (15.0 vs 18.4). On price, rating, ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.7 for MCCU against 4.8 for MPECU App. That said, the two scores are not equally well evidenced: MCCU has 5.1K ratings behind it against 388, 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 100% of MPECU App's.

UpkeepUpdate frequency

MCCU ships an update every 6 months, MPECU App monthly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
MCCU versus MPECU App: the parameters behind the verdict, then further details
ParameterMCCUMPECU App
PriceFreeFree
Rating4.7 (5.1K ratings)4.8 (388 ratings) — better
Positive reviews54.3% of reviews100.0% of reviews — better
Number of ratings5.1K — better388
Update frequencyEvery 6 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better18.4
Further details — not scored
Size122 MB197 MB
Age rating4+4+
DeveloperMembers Cooperative Credit UnionMinnesota Power Employees CU

Customer experience

MCCU

All ratings5,032 ratings
Positive93.7%
Neutral2.7%
Negative3.6%
Written reviews92 reviews
Positive54.3%
Neutral5.4%
Negative40.2%

MPECU App

All ratings388 ratings
Positive96.6%
Neutral0.8%
Negative2.6%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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

MPECU App

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MCCU

No in-app purchases

None

MPECU App

No in-app purchases

Questions

Is MCCU free?
MCCU is free to download, with no in-app purchases.
Is MPECU App free?
MPECU App is free to download, with no in-app purchases.
Which has better reviews, MCCU or MPECU App?
MPECU App is rated higher. MCCU averages 4.7 out of 5 from 5.1K ratings, while MPECU App averages 4.8 from 388 ratings.
Do MCCU or MPECU App have ads?
Neither MCCU nor MPECU App shows ads.
Which is updated more often, MCCU or MPECU App?
MCCU ships an update every 6 months, and MPECU App monthly. Most recently, MCCU was updated on November 6, 2026 and MPECU App on November 3, 2026.

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