Comparison

MCTCU vs EducationFirstFCU

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

Head to head
About

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.

Highlights
  • 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
Features
Read 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.

About

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.

Highlights
  • 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
Features
Read 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

MCTCU4 screens
EducationFirstFCU4 screens

Verdict

The call

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

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 — 4.9 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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. Both last shipped on October 24, 2026.

Scorecard2 real differences · 8 level
MCTCU versus EducationFirstFCU: the parameters behind the verdict, then further details
ParameterMCTCUEducationFirstFCU
PriceFreeFree
Rating4.9 (2.7K ratings) — better4.8 (4.5K ratings)
Positive reviews83.3% of reviews — better70.0% of reviews
Number of ratings2.7K4.5K — better
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesAd-supported — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.418.4
Further details — not scored
Size198 MB197 MB
Age rating4+12+
DeveloperMCT Credit UnionEducation First Federal Credit Union

Customer experience

MCTCU

All ratings2,707 ratings
Positive97.5%
Neutral1.2%
Negative1.3%
Written reviews24 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

EducationFirstFCU

All ratings4,497 ratings
Positive96.2%
Neutral1.6%
Negative2.2%
Written reviews50 reviews
Positive70.0%
Neutral4.0%
Negative26.0%

User reviews

MCTCU

From 2.7K App Store ratings

What 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 ratings

What 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

None

MCTCU

No in-app purchases

None

EducationFirstFCU

No in-app purchases

Questions

Is MCTCU free?
MCTCU is free to download, with no in-app purchases.
Is EducationFirstFCU free?
EducationFirstFCU is free to download, with no in-app purchases.
Which has better reviews, MCTCU or EducationFirstFCU?
MCTCU is rated higher. MCTCU averages 4.9 out of 5 from 2.7K ratings, while EducationFirstFCU averages 4.8 from 4.5K ratings.
Do MCTCU or EducationFirstFCU have ads?
Neither MCTCU nor EducationFirstFCU shows ads.
Which is updated more often, MCTCU or EducationFirstFCU?
MCTCU ships an update monthly, and EducationFirstFCU monthly. Most recently, MCTCU was updated on October 24, 2026 and EducationFirstFCU on October 24, 2026.

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