Bank · FDIC insured
BMO Alto Savings Rates
BMO Alto’s best savings rate is 3.00% APY on $10,000, with its Alto Online Savings Account. Rates checked October 25, 2026.
How BMO Alto’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
BMO Alto
3.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $300
Alto Online Savings Account
Top rate
Service Credit Union
10.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $1,000
2nd-highest rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
BMO Alto savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BMO Alto ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Alto Online Savings Account
3.00%APY
U.S. citizens and U.S resident aliens 18 and older can apply for an individual or joint Alto account. Cannot be opened in the name of a business, trust, or in a fiduciary capacity. Alto does not offer UTMA accounts. Accounts with a zero balance for 90 consecutive days will be closed. Account must be funded within 90 days or it will be closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account; interest rate and APY may change at any time after account is opened. Must be funded within 90 days or account will be closed. Accounts with a zero balance for 90 consecutive days will be closed.Any balance | 3.00% | $300 | Variable rate account; interest rate and APY may change at any time after account is opened. Must be funded within 90 days or account will be closed. Accounts with a zero balance for 90 consecutive days will be closed. |
Sources (3)
All captured Oct 25, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.