BMO Alto vs. Colorado Federal Savings Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | BMO AltoSavings Account Jan 7, 2026 | Colorado Federal Savings BankPremier Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.25% | 4.05% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$0 $10,000+$0 $25,000+$0 |
Min Deposit | $0 | $50,000 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo Minimums | FDIC InsuredHigh MinimumGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing BMO Alto vs. Colorado Federal Savings Bank
As of BMO Alto offers an APY of 3.25% for its Savings Account, with a minimum balance of $0, compared to Colorado Federal Savings Bank's 4.05% APY for its Premier Savings account, with a minimum balance of $50,000.
Colorado Federal Savings Bank pays $80 more than BMO Alto on a $10,000 balance after one year. BMO Alto pays $325, while Colorado Federal Savings Bank pays $405 - an APY advantage for Colorado Federal Savings Bank.
In addition, Colorado Federal Savings Bank also offers 4.00% APY for the High Yield Savings account, with a minimum balance of $1.
Why BMO Alto?
No distinct advantages found vs Colorado Federal Savings Bank.
Why Colorado Federal Savings Bank?
- ✓Higher potential APY (4.00%-4.05% vs 3.25%)
- ✓Higher rated iOS app (4.3 vs 0.0)
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
BMO AltoBMO Alto's Savings Account earns more on smaller deposits (approx. $325 vs $0/yr).
Better Returns at $25,000
BMO AltoBMO Alto's Savings Account pulls ahead with larger amounts (approx. $813 vs $0/yr).
Best for Simplicity
Colorado Federal Savings BankColorado Federal Savings Bank's Premier Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Colorado Federal Savings Bank's Premier Savings pays $80 more interest on a $10,000 balance than BMO Alto's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Colorado Federal Savings Bank offers the highest APY with its High Yield Savings account at 4.00%, making it a strong choice for savers. This account requires a minimum deposit of $1 and has no maintenance fees, with daily compounding. Alternatively, the Premier Savings account provides a slightly higher APY of 4.05% but requires a minimum balance of $50,000. In comparison, BMO Alto's Savings Account yields 3.25% APY with no minimum deposit or balance requirements, also featuring daily compounding. Both banks operate online-only and do not require direct deposit, providing flexibility for account holders.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
BMO Alto vs. Colorado Federal Savings Bank Savings Calculator
You earn $400 more with Colorado Federal Savings Bank than BMO Alto on a $50,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
BMO Alto
Savings Account
Savings Breakdown
- Interest Earned+$1,625.00(3.1%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$51,625.00
Colorado Federal Savings Bank
Premier Savings
Savings Breakdown
- Interest Earned+$2,025.00(3.9%)
- Total Contributions$0
- Initial Deposit$50,000
Projected Balance
$52,025.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | BMO Alto | Colorado Federal Savings Bank |
|---|---|---|
| APY | 3.25% Verified: 1/7/2026 Stable (90d) | 4.05% Verified: 1/7/2026 ↘︎ 0.10%90d Change |
| Product Name | Savings Account | Premier Savings |
| Minimum Deposit | $0 | $50,000 |
| Min. Balance for APY | $0 | $50,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS- Android- | iOS4.3 Android- |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at BMO Alto Non-sponsored link to official site | Visit SiteVerify at Colorado Federal Savings Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | BMO Alto | Colorado Federal Savings Bank | |
|---|---|---|---|
| Savings Account | Premier Savings | High Yield Savings | |
Current APY | 3.25% | 4.05% | 4.00% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.9 | -2.6 | -2.6 |
Days Since Change | 110 | 89 | 89 |
11-Month High | 4.00% | 4.25% | 4.25% |
11-Month Low | 3.25% | 4.05% | 4.00% |
Adjustments / Mo | 0.37 | 0.19 | 0.37 |
Volatility Score | 0.058 | 0.022 | 0.022 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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