PECU Mobile vs Refi Scout
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PECU Mobile
Manage your finances conveniently and securely from your mobile device. This app allows you to pay bills, check balances, transfer funds, and deposit checks with ease. Access essential banking services anytime, anywhere, with no registration required for existing online users.
- Bill payment
- Balance checking
- Money transfers
- Mobile check deposit
- ATM and branch locator
- Secure encryption
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Thank you for being a PECU member! Your free new mobile banking app is ready to download. The PECU app helps you manage your money any time, any place, anywhere. Conveniently and quickly pay bills, check balances, transfer money, deposit checks, find ATMs, and locate PECU branch centers –all from the palm of your hand. PECU puts the “free” in financial freedom! •Safe and secure. Get peace of mind with our app’s state-of-the-art encryption. •Handy PECU branch and ATM locator. •Easy-to-find account and transaction information. •No registration required. Available to all PECU online account access users. •Free e-Bill Pay for making payments. •Snap, click & deposit. Deposit checks using your camera.
Refi Scout
This finance app monitors daily mortgage rates and alerts you when refinancing could save you money. It analyzes your specific loan details against national trends to provide a personalized refinance score and custom alerts.
- Daily mortgage rate monitoring
- Personalized refinance score
- Customizable refinance alerts
- Support for multiple properties
- 12-month rate history
- On-device data privacy
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Refi Scout watches mortgage rates every day and tells you when refinancing could save you money — so you never have to think about it. Most homeowners miss their best chance to refinance. Rates move weekly, but life is busy. Refi Scout makes sure you're always on alert. Add your mortgage once. We monitor national rates from the Federal Reserve daily and alert you when refinancing may make financial sense for your specific loan — based on your rate, your balance, and your break-even timeline. What makes Refi Scout different: • Your Refi Score — a 0-100 rating that shows how beneficial refinancing is right now for your loan • Custom alerts — set your own thresholds for rate drop, monthly savings, and break-even timeline • Multiple properties — track every home you own • Rate history — 12 months of 30-year, 15-year, and ARM rate data • Private by design — all mortgage data stays on your device. Always. How it works: 1. Add your mortgage details in under a minute 2. We watch rates daily using Federal Reserve data 3. You get alerted only when the numbers actually may make sense Refi Scout is not affiliated with any lender and receives no referral fees. We have no incentive to push you toward refinancing — we just tell you when the math works. Subscription required after 7-day free trial. Terms of use: https://refiscout.app/terms Privacy policy: https://refiscout.app/privacy Refi Scout is for informational purposes only and does not constitute financial advice. Always consult a licensed mortgage professional before making refinancing decisions.
Screenshots
Verdict
The clearest difference is in-app purchases: PECU Mobile at none against Refi Scout's 3. PECU Mobile also leads on ads (none vs shown) and ratings volume (416 vs 1). Refi Scout's advantage is rating (5.0 vs 4.6) and update cadence (daily vs every 10 months). On price, device support and iOS requirement 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. Refi Scout sells 3 in-app purchases, starting at $6.99 per month. PECU Mobile asks for nothing beyond the download.
Refi Scout holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: PECU Mobile has 416 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 83% of PECU Mobile's written reviews are positive against 100% of Refi Scout's.
PECU Mobile ships an update every 10 months, Refi Scout daily. The most recent releases landed on October 23, 2026 and October 12, 2026 respectively.
| Parameter | PECU Mobile | Refi Scout |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (416 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 82.9% of reviews | 100.0% of reviews — better |
| Number of ratings | 416 — better | 1 |
| Update frequency | Every 10 months | Daily — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 30 MB | 1 MB |
| Age rating | 4+ | 4+ |
| Developer | Public Employees Credit Union | Dappled Company LLC |
Customer experience
PECU Mobile
Refi Scout
Bugs and requests
PECU Mobile
Reported bugs
2 issues- Login screen issues
- Inconsistent performance on older devices
Requested features
4 requests- Tap to pay cards
- Apple Wallet integration
- Improved mobile deposit process
- More advanced features and customization options
Refi Scout
Not enough reviews yet to summarise bugs or requests.
In-app purchases
PECU Mobile
No in-app purchases
Refi Scout
- Monthly7 Days trial$6.991 Month
- Annual7 Days trial$39.991 Year
- Lifetime$99.99
Questions
Is PECU Mobile free?
Is Refi Scout free?
Which has better reviews, PECU Mobile or Refi Scout?
Do PECU Mobile or Refi Scout have ads?
Which is updated more often, PECU Mobile or Refi Scout?
Other comparisons
