Comparison

Rural Mutual vs MACU

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

Head to head
About

Rural Mutual

Manage your insurance policies on the go. View policy details, access proof of insurance, make payments, report claims, and connect with your agent. Also access member benefits.

Highlights
  • Policy management
  • Proof of insurance access
  • Payment processing
  • Claim reporting
  • Agent connection
  • Member benefits viewing
Features
Read full description

Access and manage your Rural Mutual Insurance Company policies from your mobile device! With our mobile app you can: - Login using your fingerprint (on supported devices) - View your policies - View, save, and send proof of insurance cards* - Make payments - Report a claim - Connect with your agent - View your WI Farm Bureau member benefits and more! *Electronic proof of insurance cards may not be acceptable proof of insurance in all states.

About

MACU

Manage your finances on the go. View account balances, deposit checks remotely, apply for loans, and make payments. Set up alerts, manage your debit card, and access secure login options.

Highlights
  • View balances and transaction history
  • Remote check deposit
  • Loan and credit card applications
  • Money transfers and payments
  • Account alerts
  • Debit card management
  • Secure login with biometrics
Features
Read full description

Manage your money: • View balances and transaction history • View Quick Glance balances on Dashboard • Remotely deposit checks • Apply for a loan, including credit cards, autos, powersport, marine, and recreational vehicles • View information for certificates of deposit including maturity date • View and redeem Cash Back Visa® Credit Card points Make payments and transfers: • Transfer money to accounts at another bank or credit union • Make loan payments • Set up recurring transfers from a savings or checking to your savings, checking or loan accounts • Make payments to other people, local businesses, or national vendors Manage your account: • Set email or text alerts for ACH/Payroll Deposits, Daily Balance, Loan Payments and Low Balance Alerts • Manage your debit card (freeze/unfreeze, add travel plans) • View Credit Card details • View paperless statements and cleared checks Security and Safety: • Use Face or Fingerprint Recognition to log in on supported devices • Last login popup for enhanced security More Features: • Send a message and get answers or help • Find a nearby office or ATM location • Find Members’ Advantage routing number and your account number For app-related questions and support, please call the Credit Union at 888-630-6228 or visit a Members’ Advantage Credit Union location. Loans subject to credit approval. Insured by NCUA. Equal Housing Opportunity.

Screenshots

Rural Mutual4 screens
MACU4 screens

Verdict

The call

The clearest difference is review sentiment: Rural Mutual at 100% against MACU's 40%. MACU's advantage is rating (4.7 vs 3.5) and ratings volume (60 vs 4). On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

MACU holds the better App Store score, 4.7 against 3.5. That said, the two scores are not equally well evidenced: MACU has 60 ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 100% of Rural Mutual's written reviews are positive against 40% of MACU's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Rural Mutual ships an update every 3 months, MACU every 6 months. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Rural Mutual versus MACU: the parameters behind the verdict, then further details
ParameterRural MutualMACU
PriceFreeFree
Rating3.5 (4 ratings)4.7 (60 ratings) — better
Positive reviews100.0% of reviews — better40.0% of reviews
Number of ratings460 — better
Update frequencyEvery 3 months — betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod, Apple Watch — better
Requires iOS14.012.2 — better
Further details — not scored
Size10 MB86 MB
Age rating4+4+
DeveloperRural Mutual Insurance CompanyMembers' Advantage CU

Customer experience

Rural Mutual

All ratings4 ratings
Positive50.0%
Neutral25.0%
Negative25.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

MACU

All ratings60 ratings
Positive93.3%
Neutral0.0%
Negative6.7%
Written reviews5 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

In-app purchases

None

Rural Mutual

No in-app purchases

None

MACU

No in-app purchases

Questions

Is Rural Mutual free?
Rural Mutual is free to download, with no in-app purchases.
Is MACU free?
MACU is free to download, with no in-app purchases.
Which has better reviews, Rural Mutual or MACU?
MACU is rated higher. Rural Mutual averages 3.5 out of 5 from 4 ratings, while MACU averages 4.7 from 60 ratings.
Do Rural Mutual or MACU have ads?
Neither Rural Mutual nor MACU shows ads.
Which is updated more often, Rural Mutual or MACU?
Rural Mutual ships an update every 3 months, and MACU every 6 months. Most recently, Rural Mutual was updated on October 24, 2026 and MACU on October 24, 2026.

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