Lively COBRA vs SCCU Plus
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lively COBRA
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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®
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | Lively COBRA | SCCU Plus |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.7 (13K ratings) — better |
| Positive reviews | — | 49.6% of reviews |
| Number of ratings | — | 13K — better |
| Update frequency | Every 7 months | Monthly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 14.2 — better |
| Further details — not scored | ||
| Size | 8 MB | 375 MB |
| Age rating | 17+ | 4+ |
| Developer | Lively, 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
Lively COBRA
No in-app purchases
SCCU Plus
No in-app purchases
Questions
Is Lively COBRA free?
Is SCCU Plus free?
Do Lively COBRA or SCCU Plus have ads?
Which is updated more often, Lively COBRA or SCCU Plus?
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