BMO vs SkyOne Federal Credit Union

BMO is a midwest bank with options for low and high-balance customers. How does it compare to SkyOne Federal Credit Union? Read our comparison chart below.

BMO has over 900 branches and is the 7th largest bank in North America by assets. Smart Advantage checking has no fee and no minimum balance if you opt for eStatements. Savings Builder needs just $25 to open and has $0 monthly fee. Standard and Special CDs require a minimum opening deposit of $1,000.

While SkyOne Federal Credit Union was founded in July 1949 to serve those in the aeronautics and space sector and their families. Today, it also offers high-yield savings products to everyone nationwide exclusively through Raisin.

Compare BMO with SkyOne Federal Credit Union, side-by-side.

	BMO	SkyOne Federal Credit Union
	SPECIAL OFFER Savings Account - Up to $60 Bonus - Learn More Read BMO Review
	Benefits and Features
Savings	0.01% APY. $5 reward every month you save $200 or more, for the first year.
CD	0.05% - 2.50% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.
Checking	Smart Advantage, Smart Money, Relationship
Money Market	Up to 2.30% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance.
ATMs	40,000+ BMO and Allpoint ATMs
Customer Service	Monday–Friday, 7 a.m.–11 p.m. (CT), and Saturday–Sunday, 8 a.m.–10 p.m. (CT)
IRA CD	0.05% - 0.75% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit
IRA Money Market	IRA Premium Savers: $100 minimum opening deposit. No monthly maintenance fee
Locations	900+ branches	3 branches and 4,000+ Shared Branches nationwide
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Free checking with eStatements Large ATM network Good financial tools Cons: Limited branches Low savings APY
Bottom Line	Midwest bank with options for low and high-balance customers... Read full review
	Learn More	Visit Site
	Savings Account - Up to $60 Bonus BMO Alto Online Savings Account - 3.25% APY Business Platinum Money Market - Up to 2.30% APY
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 02/07/2026 based on 60603 zip code. SkyOne Federal Credit Union: Information sourced from the published website as of 10/29/2025.

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 vs Bank of America
• BMO vs U.S. Bank
• BMO vs Wells Fargo

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 Money vs Smart Advantage

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.

Which Do You Think is Best?

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