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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
  • Higher interest rates may be earned at $5,000, $25,000 and $75,000 levels
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Make contributions at your own pace: weekly, monthly or in one lump sum2



Account terms & other fees

Savings Rates



Minimum Balance To Obtain APY* Interest Rate(%) APY(%)*
Statement Savings ($100 minimum to open)
Less than $2,500
IRA Premium Savers ($100 minimum to open)
Less than $5,000

* 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.


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.

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