Rates updated · 74 banks tracked
BMO CD rates: 0.75% APY best term
BMO’s best tracked CD pays 0.75% across 11 terms — ranking in the bottom 10th percentile of the 74 banks SwitchWize tracks CD rates for, where the best available rate is 5.00%. (Updated November 9, 2026.)
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BMO CD rates today, by term
| Term | APY |
|---|---|
| 1 months | 0.05% |
| 2 months | 0.05% |
| 3 months | 0.05% |
| 6 months | 0.05% |
| 9 months | 0.75%Best |
| 1 year | 0.75%Best |
| 18 months | 0.75%Best |
| 2 years | 0.75%Best |
| 30 months | 0.75%Best |
| 3 years | 0.75%Best |
| 4 years | 0.75%Best |
Is BMO a good CD rate? Not really. At 0.75% its best CD trails the 5.00% best available tracked rate, leaving about $1,063 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 0.75%, $25,000 earns $188/yr here versus $1,250/yr at the field leader — a $1,063/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Cite this page
Data as of . CD rates tracked by SwitchWize from bank rate pages and rate listings. Rates change, so confirm with the bank before you open a CD.
SwitchWize, BMO CD rates. Data as of November 9, 2026. https://www.switchwize.com/banks/bmo/cd-rates
Frequently asked questions
What is BMO's best CD rate?▾
BMO's best tracked CD rate is 0.75% APY as of November 9, 2026, across 11 terms SwitchWize tracks for this bank.
Is BMO's CD rate good?▾
BMO's best CD rate ranks in the bottom 10th percentile of tracked banks. The best available tracked rate is 5.00% and the FDIC national savings average is 0.38%.
Which banks pay more than BMO on CDs?▾
Higher-paying tracked options include citizens trust, emigrant bank, usaa. Compare rates at /cds to find the best current option.
Other BMO rates
- BMO savings rate0.01%
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.