Rural Mutual vs MACU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Policy management
- Proof of insurance access
- Payment processing
- Claim reporting
- Agent connection
- Member benefits viewing
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Rural Mutual ships an update every 3 months, MACU every 6 months. Both last shipped on October 24, 2026.
| Parameter | Rural Mutual | MACU |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (4 ratings) | 4.7 (60 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 40.0% of reviews |
| Number of ratings | 4 | 60 — better |
| Update frequency | Every 3 months — better | Every 6 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod, Apple Watch — better |
| Requires iOS | 14.0 | 12.2 — better |
| Further details — not scored | ||
| Size | 10 MB | 86 MB |
| Age rating | 4+ | 4+ |
| Developer | Rural Mutual Insurance Company | Members' Advantage CU |
Customer experience
Rural Mutual
MACU
In-app purchases
Rural Mutual
No in-app purchases
MACU
No in-app purchases
Questions
Is Rural Mutual free?
Is MACU free?
Which has better reviews, Rural Mutual or MACU?
Do Rural Mutual or MACU have ads?
Which is updated more often, Rural Mutual or MACU?
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