# SCFCU Mobile vs Pennra

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.

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.

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

## The numbers

| Metric | SCFCU Mobile | Pennra |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (3.3K ratings)](https://appshunter.io/ios/app/scfcu-mobile/id771126325/reviews)** | — |
| Number of ratings | **3.3K** | — |
| Positive reviews | 92.9% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 days** |
| Monetization | Free with in-app purchases | — |
| Size | 128 MB | 25 MB |
| Requires iOS | **16.0** | 18.6 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [St. Cloud Financial Credit Union](https://appshunter.io/developer/771126328) | [Julian Harmon](https://appshunter.io/developer/6779850014) |

## What reviewers say

### SCFCU Mobile

[App page](https://appshunter.io/ios/app/scfcu-mobile/id771126325)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Ease of use
- 👍 Reliable and fast
- 👍 Helpful staff
- 🚀 Convenient mobile features
- 🔒 Secure banking

**What reviewers complain about**

- 🐛 Login issues
- 🐛 Slow app performance

**Reported bugs**

- Mobile check deposit not working consistently
- App crashes and shows black screen

**Requested features**

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


### Pennra

[App page](https://appshunter.io/ios/app/pennra/id6780068920)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pennra Premium | $4.99 | per month |
| Pennra Premium | $39.99 | per year |


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