Bmo Alto vs. Briodirect
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of BMO Alto vs. BrioDirect
Key Metrics at a Glance
| Feature | BMO Alto | BrioDirect |
|---|---|---|
| Top Savings APY | 3.25% Savings Account | 4.00% High-Yield Savings Account |
| Minimum to Open | $0 | $5,000 |
| Minimum Balance for Top APY | $0 | $25 |
BMO Alto
Strengths
- BMO Alto offers a competitive APY of 3.25%, unchanged from 30 days ago.
- BMO Alto has an A+ BBB rating and is BBB Accredited.
Potential Drawbacks
- BMO Alto has no branches, limiting in-person banking options.
BrioDirect
Strengths
- BrioDirect provides a higher APY of 4.00%, down from 4.20% last month.
- BrioDirect has a strong App Store rating of 4.7.
Potential Drawbacks
- BrioDirect's BBB rating is B- and it is not BBB Accredited.
- BrioDirect requires a minimum deposit of $5,000 to open an account.
→ As of November 12, 2025 BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to BrioDirect's 4.00% APY for its High-Yield Savings Account, with a minimum balance of $25.
→ BrioDirect yields $75 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while BrioDirect pays $400 - an APY advantage for BrioDirect.
Calculate Savings Growth for BMO Alto vs BrioDirect
BMO Alto - Savings Account
Total savings breakdown:
- Interest earned: $1,955.5 (9.80%)
- Total contributions: $13,000 (65.14%)
- Initial deposit: $5,000 (25.06%)
Your total balance
$19,955.50
Total balance: $19,955.5
Earnings: $1,955.5
Bank OverviewBrioDirect - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Total balance: $20,434.7
Earnings: $2,434.7
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, BMO Alto's total earnings would be $479.2 lower than BrioDirect's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare BMO Alto's vs BrioDirect's Savings Accounts
| BMO Alto | BrioDirect | ||
|---|---|---|---|
| Product | Savings Account | vs | High-Yield Savings Account |
| APY | 3.25% (as of 11/12/2025) | 4.00% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $5,000 | |
| Minimum Balance for APY | $0 | $25 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| App Store Rating | No | 4.7/5 | |
| Google Play Rating | No | 4.3/5 | |
| BBB Rating | A+ | B- |
Comparative Historical APY Insights (Last 10 Months)
| BMO Alto | BrioDirect | ||
|---|---|---|---|
| Product | Savings Account | vs | High-Yield Savings Account |
| Latest APY | 3.25 % | 4.00 % | |
| Trend | Falling | Sideways | |
| Slope (bps/mo) | -7.4 | -4.5 | |
| Rate Changes / Mo | 0.51 | 0.61 | |
| Days Since Last Change | 55 | 13 | |
| High (-10 m) | 4.10 % | 4.55 % | |
| Low (-10 m) | 3.25 % | 4.00 % | |
| Draw-down from High | -20.7 % | -12.1 % | |
| Volatility (CV) | 0.065 | 0.033 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-10 m)
- Highest APY in the last 295 days.
- Low (-10 m)
- Lowest APY in the last 295 days.
- Draw-down from High
- How far today sits below the 10-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.