# CardNav vs Montana Educators' CU

The clearest difference is review sentiment: Montana Educators' CU at 100% against CardNav's 30%. Montana Educators' CU also leads on rating (5.0 vs 4.4). CardNav's advantage is ratings volume (1.1K vs 2). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Montana Educators' CU holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: CardNav has 1.1K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 30% of CardNav's written reviews are positive against 100% of Montana Educators' CU's.

Both ship on a similar rhythm, roughly every 6 months. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | CardNav | Montana Educators' CU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (1.1K ratings)](https://appshunter.io/ios/app/cardnav/id844413062/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/montana-educators-cu/id1121715121/reviews)** |
| Number of ratings | **1.1K** | 2 |
| Positive reviews | 29.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | Every 6 months |
| Monetization | Free | Free |
| Size | 47 MB | 85 MB |
| Requires iOS | **14.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [CO-OP Financial Services](https://appshunter.io/developer/365653538) | [Montana Ed CU](https://appshunter.io/developer/545301254) |

## What reviewers say

### CardNav

[App page](https://appshunter.io/ios/app/cardnav/id844413062)

Monitor and manage your debit and credit cards with transaction alerts and customizable usage controls. Define when, where, and how your cards can be used to enhance security and prevent fraud.

**Highlights:** Transaction alerts, Customizable usage settings, Define card usage locations, Define card usage times, Card monitoring and management

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Instant transaction notifications
- 🔒 Ability to turn card on/off
- 👍 Helpful security features
- 💡 Customizable notification settings

**What reviewers complain about**

- 🐛 Frequent login/password issues
- 🐛 Incorrect account balances
- 🐛 Unreliable card locking/unlocking
- 🐛 Compatibility problems with newer versions

**Reported bugs**

- App crashes when trying to log in
- Unable to add or remove cards
- Delayed or missing transaction notifications

**Requested features**

- Restore Touch ID/Face ID login
- Add ability to transfer funds between accounts
- Improve password management support
- Provide better communication during app outages


### Montana Educators' CU

[App page](https://appshunter.io/ios/app/montana-educators-cu/id1121715121)

Manage your finances conveniently from your mobile device. Check account balances, review transaction history, transfer funds between accounts, and make loan payments securely.

**Highlights:** Check account balances, View transaction history, Transfer funds, Pay loans, On-the-go banking

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is CardNav free?

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

### Is Montana Educators' CU free?

Montana Educators' CU is free to download, with no in-app purchases.

### Which has better reviews, CardNav or Montana Educators' CU?

Montana Educators' CU is rated higher. CardNav averages 4.4 out of 5 from 1.1K ratings, while Montana Educators' CU averages 5.0 from 2 ratings.

### Do CardNav or Montana Educators' CU have ads?

Neither CardNav nor Montana Educators' CU shows ads.

### Which is updated more often, CardNav or Montana Educators' CU?

CardNav ships an update every 6 months, and Montana Educators' CU every 6 months. Most recently, CardNav was updated on November 6, 2026 and Montana Educators' CU on November 2, 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.*