# Lively COBRA vs SCCU Plus

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.

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.

## The numbers

| Metric | Lively COBRA | SCCU Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.7 (13K ratings)](https://appshunter.io/ios/app/sccu-plus/id6504358736/reviews)** |
| Number of ratings | — | **13K** |
| Positive reviews | — | 49.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 7 months | **Monthly** |
| Monetization | — | Free |
| Size | 8 MB | 375 MB |
| Requires iOS | 17.0 | **14.2** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Lively, Inc.](https://appshunter.io/developer/1458289931) | [Space Coast Credit Union](https://appshunter.io/developer/577264633) |

## What reviewers say

### Lively COBRA

[App page](https://appshunter.io/ios/app/lively-cobra/id6472733299)

**In-app purchases:** none


### SCCU Plus

[App page](https://appshunter.io/ios/app/sccu-plus/id6504358736)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Faster and more responsive
- 👍 Improved user interface and design
- 💡 Integration of credit score on home page
- 👍 Ability to customize main page

**What reviewers complain about**

- 🐛 Frequent login issues and authentication problems
- 🐛 Slow loading times and constant loading circles
- 🐛 Inability to access transaction history and account details
- 🐛 Incompatibility with Plaid and other third-party integrations
- 🐛 Lack of card control and management features

**Reported bugs**

- 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**

- 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


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