# Harbor Pointe CU vs MPECU App

The clearest difference is review sentiment: MPECU App at 100% against Harbor Pointe CU's 25%. MPECU App also leads on update cadence (monthly vs every 4 months) and rating (4.8 vs 4.6). Harbor Pointe CU's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (15.0 vs 18.4). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

MPECU App holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 366 and 388 respectively. Written reviews point the same way: 25% of Harbor Pointe CU's written reviews are positive against 100% of MPECU App's.

Harbor Pointe CU ships an update every 4 months, MPECU App monthly. The most recent releases landed on October 29, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | Harbor Pointe CU | MPECU App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (366 ratings)](https://appshunter.io/ios/app/harbor-pointe-cu-mobility/id1136209816/reviews) | **[4.8 (388 ratings)](https://appshunter.io/ios/app/mpecu-app/id6447270034/reviews)** |
| Number of ratings | 366 | **388** |
| Positive reviews | 25.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 189 MB | 197 MB |
| Requires iOS | **15.0** | 18.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Harbor Pointe Credit Union](https://appshunter.io/developer/1136209815) | [Minnesota Power Employees CU](https://appshunter.io/developer/940842393) |

## What reviewers say

### 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


### MPECU App

[App page](https://appshunter.io/ios/app/mpecu-app/id6447270034)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Harbor Pointe CU free?

Harbor Pointe CU 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, Harbor Pointe CU or MPECU App?

MPECU App is rated higher. Harbor Pointe CU averages 4.6 out of 5 from 366 ratings, while MPECU App averages 4.8 from 388 ratings.

### Do Harbor Pointe CU or MPECU App have ads?

Neither Harbor Pointe CU nor MPECU App shows ads.

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

Harbor Pointe CU ships an update every 4 months, and MPECU App monthly. Most recently, Harbor Pointe CU was updated on October 29, 2026 and MPECU App on October 23, 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.*