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BMO - Savings accounts: which one is best for you?BMO Alto Online Savings Account: BMO Alto's online savings account earns a % APY, doesn't charge monthly maintenance fees and has no minimum. It offers an interest rate of % APY, higher than the average savings rate of % APY, according to FDIC. Does BMO have a good online. The BMO Savings Builder account currently earns % APY, while the BMO Alto Online Savings account currently earns % APY. Rates can change at any time, so.