5Point Credit Union vs MCTCU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Check account balances
- View transaction history
- Transfer funds between accounts
- Pay bills
- Activate cash back offers
- Find ATMs and branches
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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
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
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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
Verdict
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
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 — 4.8 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.
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.
| Parameter | 5Point Credit Union | MCTCU |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (5.1K ratings) | 4.9 (2.7K ratings) — better |
| Positive reviews | 80.7% of reviews | 87.0% of reviews — better |
| Number of ratings | 5.1K — better | 2.7K |
| Update frequency | Every 3 months | Monthly — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 17.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 145 MB | 178 MB |
| Age rating | 4+ | 4+ |
| Developer | Fivepoint Credit Union | MCT Credit Union |
Customer experience
5Point Credit Union
MCTCU
User reviews
5Point Credit Union
From 5.1K App Store ratingsWhat 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 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
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
5Point Credit Union
No in-app purchases
MCTCU
No in-app purchases
Questions
Is 5Point Credit Union free?
Is MCTCU free?
Which has better reviews, 5Point Credit Union or MCTCU?
Do 5Point Credit Union or MCTCU have ads?
Which is updated more often, 5Point Credit Union or MCTCU?
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