# PECU Mobile vs Refi Scout

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 2). 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.

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 2, 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 24, 2026 respectively.

## The numbers

| Metric | PECU Mobile | Refi Scout |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (416 ratings)](https://appshunter.io/ios/app/pecu-mobile/id687917963/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/refi-scout/id6761666778/reviews)** |
| Number of ratings | **416** | 2 |
| Positive reviews | 82.9% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 10 months | **Daily** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 30 MB | 1 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Public Employees Credit Union](https://appshunter.io/developer/687917966) | [Dappled Company LLC](https://appshunter.io/developer/1890729281) |

## What reviewers say

### PECU Mobile

[App page](https://appshunter.io/ios/app/pecu-mobile/id687917963)

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.

**Highlights:** Bill payment, Balance checking, Money transfers, Mobile check deposit, ATM and branch locator, Secure encryption

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🔒 Good security features
- 👍 Convenient and accessible
- 🚀 Fast and efficient
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Occasional issues with mobile deposits
- 🔍 Limited functionality compared to other banking apps
- 🔍 Confusing bill payment process
- 🔍 Lack of password saving option

**Reported bugs**

- Login screen issues
- Inconsistent performance on older devices

**Requested features**

- Tap to pay cards
- Apple Wallet integration
- Improved mobile deposit process
- More advanced features and customization options


### Refi Scout

[App page](https://appshunter.io/ios/app/refi-scout/id6761666778)

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.

**Highlights:** Daily mortgage rate monitoring, Personalized refinance score, Customizable refinance alerts, Support for multiple properties, 12-month rate history, On-device data privacy

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $6.99 | per month |
| Annual | $39.99 | per year |
| Lifetime | $99.99 | one-time |


## Frequently asked questions

### Is PECU Mobile free?

PECU Mobile is free to download, with no in-app purchases.

### Is Refi Scout free?

Refi Scout is free to download, with in-app purchases available.

### Which has better reviews, PECU Mobile or Refi Scout?

Refi Scout is rated higher. PECU Mobile averages 4.6 out of 5 from 416 ratings, while Refi Scout averages 5.0 from 2 ratings.

### Do PECU Mobile or Refi Scout have ads?

Refi Scout shows ads; PECU Mobile does not.

### Which is updated more often, PECU Mobile or Refi Scout?

PECU Mobile ships an update every 10 months, and Refi Scout daily. Most recently, PECU Mobile was updated on October 23, 2026 and Refi Scout on October 24, 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.*