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.

	Member FDIC	Navy Federal Credit UnionChaseBank of AmericaU.S. BankWells Fargo
	Visit Site	Learn More
	BMO	Navy Federal Credit Union
	SPECIAL OFFER BMO Smart Advantage Checking Account - Earn $350 Cash Bonus* - Learn More Read BMO Review	SPECIAL OFFER Referral Program - Up to $500 Bonus - Learn More Read Navy Federal Credit Union Review
	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% - 3.00% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit.	Standard Certificate: as high as 4.05%. 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	0.80% APY. $25 minimum opening deposit. $10 monthly fee, waived with a $5,000 minimum daily balance.
Mobile App		iOS & Android
ATMs	40,000+ BMO and Allpoint ATMs	Over 1.7 million Navy Federal and CO-OP Network ATMs
Customer Service	Mon-Fri: 7am - 10pm (CT); Sat-Sun 8am - 8pm	Phone: 888-842-6328 24/7 customer support Online chat
IRA CD	0.05% - 1.25% APY. Terms of 3 months to 5 years. $1,000 minimum opening deposit	As high as 4.05%. 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	981 branches	335 branches
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Fees
Pros & Cons	Pros: Free checking with eStatements Large ATM network Good financial tools Cons: Limited branches Low savings APY	Pros: $0 monthly charge Extensive ATM network Cons: Low interest rate $5 opening deposit Only for members
Bottom Line	Midwest bank with options for low and high-balance customers... Read full review	Savings account with low APY, best for military personnel... Read full review
	Visit Site	Learn More
	BMO Smart Advantage Checking Account - Earn $350 Cash Bonus* BMO Smart Money Checking Account - Earn $350 Cash Bonus* Savings Account - Up to $60 Bonus	Referral Program - Up to $500 Bonus 12-Month EasyStart Certificate - 3.95% APY 18-Month EasyStart Certificate - 3.75% 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 04/16/2025 based on 60603 zip code. Navy Federal Credit Union: Pricing information from published website as of 03/24/2025 based on 91107 zip code.

Member FDIC

BMO Smart Advantage Checking Account - Earn $350 Cash Bonus*

$350 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 2/4/25 - 5/2/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC

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Expires in 5 days

Member FDIC

BMO Smart Money Checking Account - Earn $350 Cash Bonus*

$350 cash bonus* when you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 2/4/25 - 5/2/25. *Conditions Apply. Accounts are subject to approval and available in the U.S. by BMO Bank N.A. Member FDIC

Get Deal

Expires in 5 days

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 Chase.

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.

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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.

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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 an Ethical Bank

BMO has been recognized as one of the World's Most Ethical Companies for six consecutive years. How did they earn this award? Find out.

BMO Relationship Minimum Balance

Get more perks when you open a BMO Relationship Checking Account. Find out the balance you need to reach to unlock them.

Is BMO a Good Bank

Is BMO a good choice for your banking needs? Find out here.

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.

Is BMO a Real Bank

BMO, is a U.S bank, part of the Bank of Montreal. It offers solid basic checking options and a large ATM network. But, is it legit? 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?