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If you have a Certificate of Deposit (CD) or Savings account with us, you may not need to withdraw from your savings to fund your goals. Instead, consider borrowing against your savings at low rates.


Benefits of Certificate of Deposit/Savings Secured Loans:


  • Flexible terms to fit your budget and goals
  • Competitive rates to save you money
  • Avoid early CD withdrawals, and the accompanying penalties1
  • Your savings will continue to grow, uninterrupted

Payment methods

We offer a range of payment options to help you conveniently make your payment on time, every month. Each is secure2 — just choose which is easiest for you:



Visit Banking with BMO Harris to learn more.


BMO Harris Express Loan PaySM

Need to make a same-day payment to avoid a late fee? With Express Loan Pay, you can make a fast and secure2 loan payment directly from your checking account.



Learn more

1. If you fail to pay your CD-secured loan or line of credit as agreed, the bank will cash in the CD and you will pay a penalty for early CD withdrawals.

2. Visit the BMO Harris Security Center for details.

3. Certain conditions and limitations apply. Digital Banking Guarantees apply to personal accounts only and do not apply to commercial or business accounts. Please see the BMO Digital Banking Agreement found at for full details.

4. Message and data rates may apply. Contact your wireless carrier for details.

5. Auto Pay means periodic scheduled payments automatically deducted from your eligible BMO Harris checking account as applicable to pay the loan.

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