MCTCU vs EducationFirstFCU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MCTCU
Consolidate all your financial accounts, even from other institutions, into one convenient view. Manage transactions, set alerts, make payments, and deposit checks with ease. Secure your finances with advanced login options.
- Aggregate financial accounts
- Organize transactions with tags and notes
- Set balance alerts
- Make payments and transfer money
- Mobile check deposit
- Debit card management
- View monthly statements
Read full descriptionHide full description
MCTCU is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with MCTCU: 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 Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. To use the MCTCU Mobile app, you must be enrolled as a MCTCU Internet Banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials.
EducationFirstFCU
Manage your finances with a personal financial advocate. Organize transactions with tags and notes, set balance alerts, and make payments. Deposit checks, manage debit cards, and aggregate accounts securely.
- Organize transactions with tags, notes, and photos
- Set balance alerts
- Make payments to companies and friends
- Transfer money between accounts
- Deposit checks via photo
- Manage debit cards (reorder, turn off)
- Aggregate financial accounts
Read full descriptionHide full description
EducationFirstFCU 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 EducationFirstFCU: - 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 - Secure your account with a 4-digit passcode or biometric on supported devices.
Screenshots
Verdict
MCTCU and EducationFirstFCU both sit at 4.9 stars, but that hides the real split: 83% of MCTCU's written reviews are positive against 70% of EducationFirstFCU's. EducationFirstFCU's advantage is monetization model (ad-supported vs free with in-app purchases). On price, rating, ratings volume and update cadence 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
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 — 4.9 for MCTCU against 4.8 for EducationFirstFCU. Both are backed by a comparable volume of ratings — 2.7K and 4.5K respectively. Written reviews are what separate them: 83% of MCTCU's written reviews are positive against 70% of EducationFirstFCU's.
Both ship on a similar rhythm, roughly monthly. Both last shipped on October 24, 2026.
| Parameter | MCTCU | EducationFirstFCU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (2.7K ratings) — better | 4.8 (4.5K ratings) |
| Positive reviews | 83.3% of reviews — better | 70.0% of reviews |
| Number of ratings | 2.7K | 4.5K — better |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.4 | 18.4 |
| Further details — not scored | ||
| Size | 198 MB | 197 MB |
| Age rating | 4+ | 12+ |
| Developer | MCT Credit Union | Education First Federal Credit Union |
Customer experience
MCTCU
EducationFirstFCU
User reviews
MCTCU
From 2.7K App Store ratingsWhat we love
- 🚀 Fast and easy fund transfers
- 👍 User-friendly app
- 👍 Excellent customer service
- 👍 Convenient for remote banking
- 👍 Easy check depositing
Room to improve
- 🔒 Missing debit card lock option
EducationFirstFCU
From 4.5K App Store ratingsWhat we love
- 💕 Convenient banking anywhere
- 👍 Easy to deposit and transfer money
- 🚀 Fast and intuitive app
- 🔒 Protects assets and provides peace of mind
- 👍 Customizable to user needs
Room to improve
- 🐛 Glitchy app with frequent crashes
- 🤯 Difficult to find and do things
- 🤬 Poor customer service and lack of responsiveness
- 🤯 Redundant and non-user-friendly processes
- 🤯 Accounts not syncing properly
Bugs and requests
MCTCU
Reported bugs
1 issue- Payment system issues
Requested features
1 request- Password change frequency reduction
EducationFirstFCU
Reported bugs
3 issues- Login issues with constant verification codes
- Inability to view account information
- Bill pay stopped working after system update
Requested features
3 requests- Confirmation prompt before submitting payments
- Ability to see pending deposits
- Restore previous features that were removed
In-app purchases
MCTCU
No in-app purchases
EducationFirstFCU
No in-app purchases
Questions
Is MCTCU free?
Is EducationFirstFCU free?
Which has better reviews, MCTCU or EducationFirstFCU?
Do MCTCU or EducationFirstFCU have ads?
Which is updated more often, MCTCU or EducationFirstFCU?
Other comparisons















