Comparison

Lively COBRA vs SCCU Plus

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

Head to head
About

Lively COBRA

Read full description

Stay up to date and worry free with the Lively COBRA & Direct Billing App! Manage your plans 24/7 through the intuitive design and navigation while on the go. Powerful features of this app include (if supported by your account): Plan Information ● Get visibility on payments made to your plan ● View notifications and receive messages from your administrator to stay up to date on your record ● Click to call or email Customer Service Making Payments ● Make one time payments when most convenient for you ● Schedule future and recurring payments to put you at ease ● Use your bank account or credit card Elections ● Pick and Choose the plan(s) that best suits you following a qualifying event ● Avoid the hassle of paper by utilizing the latest in secure mobile payment technology ● View what you elected to better understand your coverage level, and make changes if needed Powered by WEX®

About

SCCU Plus

Manage your finances conveniently and securely from your mobile device. Access accounts 24/7, pay bills, transfer funds, deposit checks with a photo, and get instant support. Locate branches and ATMs easily.

Highlights
  • Deposit checks via photo
  • Live chat support
  • Customizable account alerts
  • Biometric login
  • View balances and transaction history
  • Easy bill payment
  • Seamless fund transfers
  • P2P payments
  • Branch and ATM locator
Features
Read full description

Managing your money is easier than ever with the SCCU Mobile App! Access your finances 24/7 with a secure, simple solution that fits your schedule. Why You'll Love It Skip the bank lines—manage your accounts anytime, anywhere. Check balances, pay bills, transfer funds, and more with just a tap. Key Features • Deposit Checks – Snap a photo to deposit checks. • Live Chat – Get instant support when you need it. • Account Alerts – Stay informed with custom notifications. • Biometric Login – Quick and secure access. • Balance & History – View balances and transactions instantly. • Bill Pay – Pay bills with ease. • Transfer Funds – Move money across accounts seamlessly. • P2P Payments – Pay friends and family fast. • Branch & ATM Finder – Locate branches or ATMs nearby. Get Started Today Downloading the SCCU Mobile App by phone is a breeze—get started in just a few taps. DISCLOSURES • Must be enrolled in Online Banking. • SCCU does not charge for using the Mobile App, but carrier message and data rates may apply. • Mobile check deposit is available for eligible SCCU Checking or Savings Accounts. We've updated the app to provide a smoother, more user-friendly experience, complete with improvements and optimizations to enhance overall functionality.

Screenshots

Lively COBRA3 screens
SCCU Plus4 screens

Verdict

The call

The clearest difference is update cadence: SCCU Plus at monthly against Lively COBRA's every 7 months. SCCU Plus also leads on iOS requirement (14.2 vs 17.0). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

Lively COBRA ships an update every 7 months, SCCU Plus monthly. The most recent releases landed on October 25, 2026 and November 1, 2026 respectively.

Scorecard2 real differences · 8 level
Lively COBRA versus SCCU Plus: the parameters behind the verdict, then further details
ParameterLively COBRASCCU Plus
PriceFreeFree
Rating—4.7 (13K ratings) — better
Positive reviews—49.6% of reviews
Number of ratings—13K — better
Update frequencyEvery 7 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS17.014.2 — better
Further details — not scored
Size8 MB375 MB
Age rating17+4+
DeveloperLively, Inc.Space Coast Credit Union

Bugs and requests

Lively COBRA

Not enough reviews yet to summarise bugs or requests.

SCCU Plus

Reported bugs

3 issues
  • Forced to delete old app and unable to switch back
  • Inconsistent login experience with multiple verification steps
  • Accounts and transactions not displaying properly

Requested features

4 requests
  • Bring back the account balance widget
  • Add ability to pay credit card balances directly
  • Optimize app for tablet landscape mode
  • Improve notification settings and alerts

In-app purchases

None

Lively COBRA

No in-app purchases

None

SCCU Plus

No in-app purchases

Questions

Is Lively COBRA free?
Lively COBRA is free to download, with no in-app purchases.
Is SCCU Plus free?
SCCU Plus is free to download, with no in-app purchases.
Do Lively COBRA or SCCU Plus have ads?
Neither Lively COBRA nor SCCU Plus shows ads.
Which is updated more often, Lively COBRA or SCCU Plus?
Lively COBRA ships an update every 7 months, and SCCU Plus monthly. Most recently, Lively COBRA was updated on October 25, 2026 and SCCU Plus on November 1, 2026.

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