Comparison

5Point Credit Union vs MCTCU

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

Head to head
About

5Point Credit Union

Manage your finances on the go with this mobile banking application. Check balances, review transactions, transfer funds, and pay bills. Locate ATMs and branches, and activate cash back offers.

Highlights
  • Check account balances
  • View transaction history
  • Transfer funds between accounts
  • Pay bills
  • Activate cash back offers
  • Find ATMs and branches
Read full description

With the 5Point Credit Union Mobile app, you can check your available balances, view transaction history, transfer funds between accounts, pay your bills, view and activate your cash back offers, contact your local store, and find ATM and shared branches in your area. To learn how we protect your privacy, please visit http://www.5pointcu.org/contents.php?intIdSection=84

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.

Screenshots

5Point Credit Union4 screens
MCTCU4 screens

Verdict

The call

The clearest difference is ads: MCTCU at none against 5Point Credit Union's shown. MCTCU also leads on update cadence (monthly vs every 3 months). 5Point Credit Union's advantage is monetization model (free vs free with in-app purchases). On price, rating, review sentiment and ratings volume 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 — 4.8 for 5Point Credit Union against 4.9 for MCTCU. Both are backed by a comparable volume of ratings — 5.1K and 2.7K respectively. Written reviews are what separate them: 81% of 5Point Credit Union's written reviews are positive against 87% of MCTCU's.

UpkeepUpdate frequency

5Point Credit Union ships an update every 3 months, MCTCU monthly. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

Scorecard3 real differences · 7 level
5Point Credit Union versus MCTCU: the parameters behind the verdict, then further details
Parameter5Point Credit UnionMCTCU
PriceFreeFree
Rating4.8 (5.1K ratings)4.9 (2.7K ratings) — better
Positive reviews80.7% of reviews87.0% of reviews — better
Number of ratings5.1K — better2.7K
Update frequencyEvery 3 monthsMonthly — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.0 — better18.4
Further details — not scored
Size145 MB178 MB
Age rating4+4+
DeveloperFivepoint Credit UnionMCT Credit Union

Customer experience

5Point Credit Union

All ratings4,587 ratings
Positive96.3%
Neutral1.7%
Negative2.0%
Written reviews88 reviews
Positive80.7%
Neutral8.0%
Negative11.4%

MCTCU

All ratings2,675 ratings
Positive97.5%
Neutral1.2%
Negative1.2%
Written reviews23 reviews
Positive87.0%
Neutral0.0%
Negative13.0%

User reviews

5Point Credit Union

From 5.1K App Store ratings

What we love

  • 👍 User-friendly app
  • 🚀 Convenient and efficient
  • 💳 Helpful for managing accounts
  • 🏦 Great credit union overall

Room to improve

  • 🐛 Bugs with check deposit feature
  • ⏱️ Slow loading times
  • 🔍 Missing some account details
  • 🔒 Login issues on app

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

Bugs and requests

5Point Credit Union

Reported bugs

3 issues
  • Check deposit not working properly
  • App crashes or freezes on certain devices
  • Login issues on the app

Requested features

4 requests
  • Add Zelle or other instant payment options
  • Improve check deposit process
  • Display account nicknames instead of default names
  • Include credit card transaction history

MCTCU

Reported bugs

1 issue
  • Payment system issues

Requested features

1 request
  • Password change frequency reduction

In-app purchases

None

5Point Credit Union

No in-app purchases

None

MCTCU

No in-app purchases

Questions

Is 5Point Credit Union free?
5Point Credit Union is free to download, with no in-app purchases.
Is MCTCU free?
MCTCU is free to download, with no in-app purchases.
Which has better reviews, 5Point Credit Union or MCTCU?
MCTCU is rated higher. 5Point Credit Union averages 4.8 out of 5 from 5.1K ratings, while MCTCU averages 4.9 from 2.7K ratings.
Do 5Point Credit Union or MCTCU have ads?
5Point Credit Union shows ads; MCTCU does not.
Which is updated more often, 5Point Credit Union or MCTCU?
5Point Credit Union ships an update every 3 months, and MCTCU monthly. Most recently, 5Point Credit Union was updated on September 24, 2026 and MCTCU on September 22, 2026.

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