# NICCU vs CENT CU

The clearest difference is review sentiment: NICCU at 50% against CENT CU's 0%. NICCU also leads on update cadence (every 4 months vs every 13 months). CENT CU's advantage is rating (4.5 vs 3.4) and iOS requirement (13.0 vs 15.6). 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.

CENT CU holds the better App Store score, 4.5 against 3.4. Both are backed by a comparable volume of ratings — 11 and 4 respectively. Written reviews complicate that: 50% of NICCU's written reviews are positive against 0% of CENT CU's, so the app with the better star average is not the one people write more warmly about.

NICCU ships an update every 4 months, CENT CU every 13 months. The most recent releases landed on September 18, 2026 and August 17, 2026 respectively.

## The numbers

| Metric | NICCU | CENT CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (11 ratings)](https://appshunter.io/ios/app/niccu/id1414546093/reviews) | **[4.5 (4 ratings)](https://appshunter.io/ios/app/cent-cu/id1583808823/reviews)** |
| Number of ratings | **11** | 4 |
| Positive reviews | **50.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 months** | Every 13 months |
| Monetization | Free | Free |
| Size | 67 MB | 6 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [North Iowa Community Credit Union](https://appshunter.io/developer/1414546092) | [CENT Credit Union](https://appshunter.io/developer/1227339570) |

## What reviewers say

### NICCU

[App page](https://appshunter.io/ios/app/niccu/id1414546093)

Manage your finances conveniently with this app. It offers secure sign-in options, quick balance checks, fund transfers, bill payments, and mobile check deposits. Special features cater to neurodiverse users, including options for epilepsy, dyslexia, and color blindness.

**Highlights:** Secure sign-in with Face ID/Touch ID, Quick Balance view, Fund transfers, Bill payment, Mobile check deposit, Neurodiverse features

**Features:** Apple Watch app

**In-app purchases:** none


### CENT CU

[App page](https://appshunter.io/ios/app/cent-cu/id1583808823)

Manage your credit union accounts conveniently and securely from your mobile device. Perform transactions, deposit checks, and locate branches and ATMs anytime, anywhere.

**Highlights:** Check account balances, Review transaction history, Deposit checks, Transfer funds, Find branches and ATMs

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is NICCU free?

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

### Is CENT CU free?

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

### Which has better reviews, NICCU or CENT CU?

CENT CU is rated higher. NICCU averages 3.4 out of 5 from 11 ratings, while CENT CU averages 4.5 from 4 ratings.

### Do NICCU or CENT CU have ads?

Neither NICCU nor CENT CU shows ads.

### Which is updated more often, NICCU or CENT CU?

NICCU ships an update every 4 months, and CENT CU every 13 months. Most recently, NICCU was updated on September 18, 2026 and CENT CU on August 17, 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.*