BMO vs Navy Federal Credit Union
BMO is a midwest bank with options for low and high-balance customers. How does it compare to Navy Federal Credit Union? Read our comparison chart below.
BMO | Navy Federal Credit Union | |
|---|---|---|
Savings Account - Up to $60 Bonus - | 12-Month EasyStart Certificate - 3.70% APY - | |
Benefits and Features | ||
| Savings | 0.01% APY. $5 reward every month you save $200 or more, for the first year. | Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. |
| CD | 0.05% - 2.50% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit. | Standard Certificate: Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000. |
| Checking | Smart Advantage, Smart Money, Relationship | Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts |
| Money Market | Up to 2.30% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | 360+ Navy Federal and more than 30,000 CO-OP Network ATMs | |
| Customer Service | Monday–Friday, 7 a.m.–11 p.m. (CT), and Saturday–Sunday, 8 a.m.–10 p.m. (CT) | Phone: 888-842-6328 24/7 customer support Online chat |
| IRA CD | 0.05% - 0.75% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit | Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000. |
| IRA Money Market | IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |   | |
| CD | | |
| Checking | | |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| Fees | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Midwest bank with options for low and high-balance customers... | Savings account with low APY, best for military personnel... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. BMO: Pricing information from published website as of 02/12/2026 based on 60603 zip code. Navy Federal Credit Union: Pricing information from published website as of 12/30/2025 based on 91107 zip code. | ||
Which is Better: BMO or Navy Federal Credit Union?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing BMO or Bank of America.
Articles on BMO
BMO Review
BMO offers low fees and a large ATM network. But savings rates are low. However, the strong features can still make it a good bank for you. Read on.
BMO Routing Number
If you have a BMO account, you only need to be aware of one routing number. This number is 071025661. Read on and learn how to use it.
BMO Checking Account Bonus & Promotions
BMO rolls out enticing checking offers from time to time to attract new customers. Find the latest bonus deals here.
Who Owns BMO
BMO is a publicly-traded company with significant institutional investors. These include several well-known Canadian asset management firms and banks.
Is BMO a Safe Bank
Wondering about the security of your funds with BMO? They have a Financial Crimes Unit backing you up, for one. Read on for more details.
What is BMO
BMO Harris is now BMO. But are they a legit bank? Find out if you should bank with them.
BMO Smart Advantage vs Smart Money
BMO's Smart Advantage has $0 monthly fees. Smart Money has no overdraft fees. Which one is a smarter choice? Read on to find out.
Articles on Navy Federal Credit Union
Navy Federal High Yield Savings
Navy Federal Credit Union provides various financial products. But do they have a high-yield savings account? Find out here.
Which Do You Think is Best?
Which Bank Account is Right for You?
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