BMO Alto vs. Climate First Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
BMO Alto
Savings Account
3.25%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
BMO Alto
Savings Account
Climate First Bank
Super Duper Savings Account
4.21%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Climate First Bank
Super Duper Savings Account
Comparison Analysis
Comparing BMO Alto vs. Climate First Bank
Why BMO Alto?
No distinct advantages found vs Climate First Bank.
Why Climate First Bank?
- ✓Higher potential APY (4.21% vs 3.25%) on all balances
- ✓Physical branch access (3 locations in Florida (St. Petersburg, Mount Dora, Winter Park), and one coming soon in Orlando, FL)
- ✓Higher rated iOS app (4.9 vs 0.0)
- ✓Higher rated Android app (4.4 vs 0.0)
— Key Feature Differences —
Better Returns at $10,000
Climate First BankClimate First Bank's Super Duper Savings Account earns more on smaller deposits (approx. $421 vs $325/yr).
Better Returns at $25,000
Climate First BankClimate First Bank's Super Duper Savings Account pulls ahead with larger amounts (approx. $1053 vs $813/yr).
Best for Simplicity
Climate First BankClimate First Bank's Super Duper Savings Account offers 4.21% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Climate First BankClimate First Bank offers an iOS app rated 4.9 (vs. 0.0) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, Climate First Bank's Super Duper Savings Account pays $96 more interest on a $10,000 balance than BMO Alto's Savings Account.
Executive Summary
Climate First Bank offers a competitive Super Duper Savings Account with a notable APY of 4.21%, making it the clear winner in this comparison. This account has no direct deposit requirement and is accessible with a minimum deposit of $50, with no maintenance fees if electronic statements are selected. In contrast, BMO Alto provides a Savings Account with a lower APY of 3.25%, which is online-only and requires no minimum deposit or maintenance fees. While both accounts are FDIC insured, Climate First Bank stands out for its higher returns and user-friendly features.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both BMO Alto and Climate First Bank.
| Feature | BMO Alto | Climate First Bank |
|---|---|---|
| APY | 3.25% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 4.21% Verified: 12/6/2025 - |
| Product Name | Savings Account | Super Duper Savings Account |
| Minimum Deposit | $0 | $50 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | iOS4.9 Android4.4 |
| BBB Rating | A+ | A- |
| Next Steps |
Savings Comparison
Climate First Bank earns $615.3 more than BMO Alto.
BMO Alto
Savings Account
Savings Breakdown
- Interest Earned+$1,955.50(9.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,955.50
Climate First Bank
Super Duper Savings Account
Savings Breakdown
- Interest Earned+$2,570.80(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,570.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | Climate First Bank |
|---|---|---|
| Savings Account | Super Duper Savings Account | |
Current APY | 3.25% | 4.21% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 10 | 10 |
1-Month High | 3.25% | 4.21% |
1-Month Low | 3.25% | 4.21% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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