# MichEd Mobile vs LOC Mobile

MichEd Mobile and LOC Mobile both sit at 4.9 stars, but that hides the real split: 89% of LOC Mobile's written reviews are positive against 60% of MichEd Mobile's. LOC Mobile also leads on update cadence (monthly vs every 4 months). On price, rating, ratings volume and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.9 for MichEd Mobile against 4.8 for LOC Mobile. Both are backed by a comparable volume of ratings — 1.5K and 4.1K respectively. Written reviews are what separate them: 60% of MichEd Mobile's written reviews are positive against 89% of LOC Mobile's.

MichEd Mobile ships an update every 4 months, LOC Mobile monthly. Both last shipped on October 29, 2026.

## The numbers

| Metric | MichEd Mobile | LOC Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (1.5K ratings)](https://appshunter.io/ios/app/miched-mobile/id860202494/reviews)** | [4.8 (4.1K ratings)](https://appshunter.io/ios/app/loc-mobile/id994986376/reviews) |
| Number of ratings | 1.5K | **4.1K** |
| Positive reviews | 59.5% of reviews | **88.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Monthly** |
| Monetization | Free | Free |
| Size | 33 MB | 130 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Michigan Educational Credit Union](https://appshunter.io/developer/583008089) | [LOC Credit Union](https://appshunter.io/developer/994986375) |

## What reviewers say

### MichEd Mobile

[App page](https://appshunter.io/ios/app/miched-mobile/id860202494)

Manage your finances with a comprehensive banking app. Track savings, view transactions, pay bills, and transfer funds between accounts. Includes credit monitoring for enhanced financial well-being.

**Highlights:** Account dashboard, Transaction tracking, Savings goal management, Bill payment scheduling, Fund transfers, Credit monitoring

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Seamless navigation
- 💡 Integrates with password manager
- 👍 User-friendly upgrade
- 👍 Accounts all in one place

**What reviewers complain about**

- 🐛 Frequent error messages
- 🐛 Connectivity issues
- 🐛 Photo deposit problems
- 🐛 Touch ID login not working
- 🐛 Outdated version issues

**Reported bugs**

- Frequent app crashes
- Login issues
- Compatibility problems with newer iOS versions

**Requested features**

- Face ID support
- Improved check deposit process
- Ability to transfer funds not available on website


### LOC Mobile

[App page](https://appshunter.io/ios/app/loc-mobile/id994986376)

Manage your finances on the go with this mobile banking app. Check balances, track spending, transfer funds, pay bills, and deposit checks. It also offers features like credit score monitoring and savings goal setting.

**Highlights:** Check balances and transaction history, Categorize and track spending, Transfer funds between accounts, Pay bills and make payments, Deposit checks remotely, Monitor credit score, Set up savings goals

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

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive interface
- 🚀 Instant transaction updates
- 💡 Convenient mobile banking features
- 🔒 Secure login options
- 👍 Easy to use

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🐛 Mobile deposit issues
- 🐛 Unreliable app performance
- 👎 Confusing UI changes with recent updates

**Reported bugs**

- Password not autofilling
- Forced to log in every time
- Mobile deposit not working consistently

**Requested features**

- Customizable notification settings
- Automatic check photo capture for mobile deposit
- Access to all accounts with single login


## Frequently asked questions

### Is MichEd Mobile free?

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

### Is LOC Mobile free?

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

### Which has better reviews, MichEd Mobile or LOC Mobile?

MichEd Mobile is rated higher. MichEd Mobile averages 4.9 out of 5 from 1.5K ratings, while LOC Mobile averages 4.8 from 4.1K ratings.

### Do MichEd Mobile or LOC Mobile have ads?

Neither MichEd Mobile nor LOC Mobile shows ads.

### Which is updated more often, MichEd Mobile or LOC Mobile?

MichEd Mobile ships an update every 4 months, and LOC Mobile monthly. Most recently, MichEd Mobile was updated on October 29, 2026 and LOC Mobile on October 29, 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.*