Comparison

SCFCU Mobile vs Pennra

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

Head to head
About

SCFCU Mobile

Manage your finances conveniently from your mobile device. Access account information, transfer funds, deposit checks, and locate branches or ATMs. This app offers secure login and identity verification for peace of mind.

Highlights
  • Check account balances
  • View transaction history
  • Transfer money between accounts
  • Deposit checks
  • Locate ATMs and branches
  • Secure login with biometrics
Features
Read full description

Bank on the go with your SCFCU Mobile Banking App. Manage your accounts from your mobile device when it is convenient for you. The SCFCU Mobile App combines the benefits of Online Banking with the power of your mobile device, providing quick access to account information and transactions. The SCFCU Mobile Banking App is fast, convenient and free, and allows users to: - Check account balances - View transaction history - Transfer money between accounts - Deposit checks - Locate and get directions to ATM and branch locations using GPS St. Cloud Financial Credit Union protects your financial information from unauthorized users using: - Security questions to verify your identity - Secure login with Touch ID and Facial Recognition - No transmission of complete accounts numbers

About

Pennra

Features
Read full description

Know exactly what you can safely spend after bills and savings. Pennra gives you a private, forward-looking budget without asking for your bank login. Pennra is a subscription app. A Pennra Premium membership, which starts with a 14-day free trial, is required to use the app and unlocks everything below. WHAT PENNRA PREMIUM INCLUDES Budget without the busywork Set budgets by category and see your spending update in real time. Pennra automatically recognizes your transactions and even shows merchant logos, so your activity is easy to read at a glance. See your whole financial picture Track every account, including checking, savings, credit, cash, and investments, and watch your net worth grow over time with clean charts and trends. Plan ahead with confidence Schedule recurring bills, income, and transfers. Use the paycheck planner to know exactly what's covered before your next payday. Reach your goals Set savings goals with target dates and monthly contributions, and watch your progress build. Track your investments Add holdings to follow your portfolio's value with live market prices, right alongside the rest of your money. Share with your household Sync across your devices and share with up to 4 people, so everyone stays on the same page. Private by design No ads. No selling your data. No tracking you across other apps. Your information is yours. SUBSCRIPTION DETAILS Pennra Premium is an auto-renewing subscription: - Monthly: $4.99 per month - Yearly: $39.99 per year Each plan starts with a 14-day free trial. Your subscription begins after the trial and automatically renews unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase. Manage or cancel anytime in your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://pennra.com/privacy/

Screenshots

SCFCU Mobile4 screens
Pennra4 screens

Verdict

The call

The clearest difference is in-app purchases: SCFCU Mobile at none against Pennra's 2. SCFCU Mobile also leads on iOS requirement (16.0 vs 18.6). Pennra's advantage is update cadence (every 2 days vs monthly). On price, ads 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. Pennra sells 2 in-app purchases, starting at $4.99 per month. SCFCU Mobile asks for nothing beyond the download.

UpkeepUpdate frequency

SCFCU Mobile ships an update monthly, Pennra every 2 days. The most recent releases landed on September 27, 2026 and September 8, 2026 respectively.

Scorecard3 real differences · 7 level
SCFCU Mobile versus Pennra: the parameters behind the verdict, then further details
ParameterSCFCU MobilePennra
PriceFreeFree
Rating4.8 (3.3K ratings) — better—
Positive reviews92.9% of reviews—
Number of ratings3.3K — better—
Update frequencyMonthlyEvery 2 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree with in-app purchases—
DevicesiPhone, iPad — betteriPhone
Requires iOS16.0 — better18.6
Further details — not scored
Size128 MB25 MB
Age rating4+4+
DeveloperSt. Cloud Financial Credit UnionJulian Harmon

Bugs and requests

SCFCU Mobile

Reported bugs

2 issues
  • Mobile check deposit not working consistently
  • App crashes and shows black screen

Requested features

2 requests
  • Bring back 6-digit code login option
  • Add check image viewing in app

Pennra

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

SCFCU Mobile

No in-app purchases

2 purchases

Pennra

Subscriptions2
  • Pennra Premium7 Days trial$4.991 Month
  • Pennra Premium7 Days trial$39.991 Year

Questions

Is SCFCU Mobile free?
SCFCU Mobile is free to download, with no in-app purchases.
Is Pennra free?
Pennra is free to download, with in-app purchases available.
Do SCFCU Mobile or Pennra have ads?
Neither SCFCU Mobile nor Pennra shows ads.
Which is updated more often, SCFCU Mobile or Pennra?
SCFCU Mobile ships an update monthly, and Pennra every 2 days. Most recently, SCFCU Mobile was updated on September 27, 2026 and Pennra on September 8, 2026.

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