# ICCU vs MEMCU CardNav

The clearest difference is rating: MEMCU CardNav at 4.6 against ICCU's 4.0. ICCU's advantage is review sentiment (23% vs 0%). On price, ratings volume, 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.

MEMCU CardNav holds the better App Store score, 4.6 against 4.0. Both are backed by a comparable volume of ratings — 157 and 91 respectively. Written reviews complicate that: 23% of ICCU's written reviews are positive against 0% of MEMCU CardNav's, so the app with the better star average is not the one people write more warmly about.

ICCU ships an update every 12 months, MEMCU CardNav every 10 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | ICCU | MEMCU CardNav |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (157 ratings)](https://appshunter.io/ios/app/iccu-cardcontrol/id1135707878/reviews) | **[4.6 (91 ratings)](https://appshunter.io/ios/app/memcu-cardnav/id1578568431/reviews)** |
| Number of ratings | **157** | 91 |
| Positive reviews | **22.6% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 10 months** |
| Monetization | Free | Free |
| Size | 86 MB | 52 MB |
| Requires iOS | 14.0 | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Idaho Central Credit Union](https://appshunter.io/developer/1032877531) | [Members Credit Union](https://appshunter.io/developer/918195330) |

## What reviewers say

### ICCU

[App page](https://appshunter.io/ios/app/iccu-cardcontrol/id1135707878)

Manage your credit and debit cards with ease. Instantly turn cards on or off, set spending limits, and restrict transaction types. Receive alerts for card activity and view your transaction history for complete financial control.

**Highlights:** Turn cards on/off, Location-based transaction restrictions, Enable/disable online/international transactions, Set spending limits, Set alerts for transactions, View transaction history

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Prevents fraudulent transactions
- 👍 Useful for disabling cards
- 👍 Convenient access to banking
- 👍 Helpful customer service interactions

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐛 Login issues and loops
- 🐛 Card controls not working
- 🐛 Blank screens on launch
- 🐛 Requires opening main app

**Reported bugs**

- App crashes when needed
- Endless loop when updating PIN with MFA
- Card controls do not work
- Blank screen on app launch
- App requires launching main app first

**Requested features**

- Ability to nickname cards
- Merge into a single ICCU app
- Travel plan options within main app
- UI improvements
- One app for all features


### MEMCU CardNav

[App page](https://appshunter.io/ios/app/memcu-cardnav/id1578568431)

Manage your credit and debit cards with customizable controls and real-time alerts. Actively monitor card usage, set transaction preferences, and receive immediate notifications to prevent fraudulent activity.

**Highlights:** Turn card access on/off, Set transaction notifications, Define merchant and geographic controls, Receive real-time usage alerts, Decline transactions instantly, Proactive fraud prevention

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is ICCU free?

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

### Is MEMCU CardNav free?

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

### Which has better reviews, ICCU or MEMCU CardNav?

MEMCU CardNav is rated higher. ICCU averages 4.0 out of 5 from 157 ratings, while MEMCU CardNav averages 4.6 from 91 ratings.

### Do ICCU or MEMCU CardNav have ads?

Neither ICCU nor MEMCU CardNav shows ads.

### Which is updated more often, ICCU or MEMCU CardNav?

ICCU ships an update every 12 months, and MEMCU CardNav every 10 months. Most recently, ICCU was updated on November 2, 2026 and MEMCU CardNav on November 3, 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.*