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IRA Premium Savers


Higher interest rates on an IRA mean more money for your retirement. Our IRA Premium Savers account lets you make contributions on the schedule that works best for you.


  • Variable interest rates1 and annual percentage yields
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Make contributions at your own pace: weekly, monthly or in one lump sum2

Options

Highlights

Account terms & other fees


Savings Rates

 

Minimum Balance To Obtain APY* Interest Rate(%) APY(%)*
IRA Premium Savers ($100 minimum to open)
$0 to $4,999.99
$5,000.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 to $99,999.99
$100,000.00 to $249,999.99
$250,000.00 to $499,999.99
$500,000.00 to $999,999.99
$1,000,000.00 and above

  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Arizona locations only.
  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois.
  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois.
  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Central and Southern Indiana locations only.
  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Kansas locations and locations in Jackson, Buchanan and Clay Counties in Missouri.
  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Minnesota locations (excluding locations in St. Louis County) and our locations in Pierce and St. Croix Counties in Wisconsin.
  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Missouri locations (excluding locations in Jackson, Buchanan and Clay Counties) and our locations in St. Clair County in Illinois.
  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Southern Wisconsin locations and locations in Roscoe and South Beloit, Illinois.
  1. *All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above. For variable rate accounts, interest rates and APYs may change after the account is opened. At our discretion we may change the interest rate on these accounts daily. For accounts that have more than one tier, the interest rate corresponding to the highest tier into which the collected balance falls will be paid in the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply to our Northern Wisconsin locations (excluding locations in Pierce and St. Croix Counties) and our locations in St. Louis County in Minnesota.

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Getting Started

Whether you’re looking to start a new relationship with BMO Harris Bank or expand with an existing BMO Harris relationship, there are multiple ways to apply for any type of account you’re looking for.

Existing Customer

If you’re already a BMO Harris Bank customer, you can easily apply for your new account online.

New Customer

If you’re not already a BMO Harris Bank customer, there are multiple ways to apply for any type of account you’re looking for.

Connect with us



These terms are effective and subject to change without notice.

 

Definitions of capitalized terms

 

  1. Click here for information about Interest Rates and Calculations on deposit accounts.Back
  2. Visit www.irs.gov for IRA Plan rules, eligibility requirements, and contribution limits. Consult your tax advisor.Back
  3. With the Auto Save option, you choose to have a fixed amount automatically transferred regularly from your BMO Harris personal checking account to your BMO Harris personal savings or money market account.Back