# MCTCU vs EducationFirstFCU

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.

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.

## The numbers

| Metric | MCTCU | EducationFirstFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2.7K ratings)](https://appshunter.io/ios/app/mctcu/id1452356913/reviews)** | [4.8 (4.5K ratings)](https://appshunter.io/ios/app/educationfirstfcu/id1579562961/reviews) |
| Number of ratings | 2.7K | **4.5K** |
| Positive reviews | **83.3% of reviews** | 70.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 198 MB | 197 MB |
| Requires iOS | 18.4 | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 12+ |
| Developer | [MCT Credit Union](https://appshunter.io/developer/785448393) | [Education First Federal Credit Union](https://appshunter.io/developer/444478220) |

## What reviewers say

### MCTCU

[App page](https://appshunter.io/ios/app/mctcu/id1452356913)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy fund transfers
- 👍 User-friendly app
- 👍 Excellent customer service
- 👍 Convenient for remote banking
- 👍 Easy check depositing

**What reviewers complain about**

- 🔒 Missing debit card lock option

**Reported bugs**

- Payment system issues

**Requested features**

- Password change frequency reduction


### EducationFirstFCU

[App page](https://appshunter.io/ios/app/educationfirstfcu/id1579562961)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💕 Convenient banking anywhere
- 👍 Easy to deposit and transfer money
- 🚀 Fast and intuitive app
- 🔒 Protects assets and provides peace of mind
- 👍 Customizable to user needs

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- Login issues with constant verification codes
- Inability to view account information
- Bill pay stopped working after system update

**Requested features**

- Confirmation prompt before submitting payments
- Ability to see pending deposits
- Restore previous features that were removed


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*