# 5Point Credit Union vs MCTCU

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.

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.

## The numbers

| Metric | 5Point Credit Union | MCTCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (5.1K ratings)](https://appshunter.io/ios/app/5point-credit-union/id429053068/reviews) | **[4.9 (2.7K ratings)](https://appshunter.io/ios/app/mctcu/id1452356913/reviews)** |
| Number of ratings | **5.1K** | 2.7K |
| Positive reviews | 80.7% of reviews | **87.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 145 MB | 178 MB |
| Requires iOS | **17.0** | 18.4 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Fivepoint Credit Union](https://appshunter.io/developer/429053071) | [MCT Credit Union](https://appshunter.io/developer/785448393) |

## What reviewers say

### 5Point Credit Union

[App page](https://appshunter.io/ios/app/5point-credit-union/id429053068)

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

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### 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


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