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Certificate of
Deposit (CD)1

Get competitive fixed interest rates1
for your long- and short-term savings goals.

Special

CD Specials

15-month term

2.55%

APY

55-month term

2.65%

APY

$5,000 Minimum Deposit Required

15-month term

2.55%

APY

$5,000
Minimum Deposit Required

55-month term

2.65%

APY

$5,000
Minimum Deposit Required

These rates are effective as of May 24, 2019.

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Why invest with a CD?

What is a Certificate of Deposit (CD)?

A certificate of deposit (CD) is a low-risk way to save and grow your money. You select the term (the length of time your money will be locked in) and generally, the longer the term, the higher the interest rate.

Benefits of a BMO Harris CD

There are different types of CDs with varying rates, minimum opening deposit amounts, and term options. Choose the one that best meets your current financial situation and future savings goals.

Have questions?

Get started

Available CDs

Standard CD

Add-on CD

Features:
Terms start as short as 3 months, with lower required minimum opening deposits.
Features:
You can easily add more money to your CD and grow your initial investment over time.2
A good choice if:
You have less than $5,000 to invest.
A good choice if:
You want to force yourself to save regularly by making additional deposits.
$1,000
minimum balance required
$1,000
minimum balance required
3 month – 5 year
terms
1 year & 3 year
terms
No
rate increases
No
rate increases

Standard CD

Features:
Terms start as short as 3 months, with lower required minimum opening deposits.

A good choice if:
You have less than $5,000 to invest.

$1,000
minimum balance required

3 month – 5 year
terms

No
rate increases


Add-on CD

Features:
You can easily add more money to your CD and grow your initial investment over time.2

A good choice if:
You want to force yourself to save regularly by making additional deposits.

$1,000
minimum balance required

1 year & 3 year
terms

No
rate increases



Explore your CD investment options and rates

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Select a CD type to see the rate

Standard CD

With as little as $1,000, you can earn a steady interest rate for the term of your Standard CD.

$1,000 minimum balance
Effective as of May 24, 2019

Term Interest Rate (%) APY (%)
3 months
6 months
9 months
12 months
18 months
24 months
30 months
36 months
48 months
60 months

$5,000 minimum balance
Effective as of May 24, 2019

Term Interest Rate (%) APY (%)
3 months
6 months
9 months
12 months
18 months
24 months
30 months
36 months
48 months
60 months

Open a BMO Harris CD1

Open now starts your application.

Minimum balance

Term

Open now

Add-on CD

Special Rate

For as little as $1,000 and a one-year term, you can gradually build your savings by adding to your initial investment whenever you want.2

$1,000 minimum balance
Effective as of May 24, 2019

Term Interest Rate (%) APY (%)
1 Year
3 Year 2.225% 2.25%

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 on the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply for online and phone account opening, excluding residents of AZ, FL, IL, IN, KS, MN, MO and WI.

Select a CD type to see the rate

Standard CD

Open now starts your application.

Minimum balance

Term

Open now

With as little as $1,000, you can earn a steady interest rate for the term of your Standard CD.

$1,000 minimum balance
Effective as of May 24, 2019

Term Interest Rate (%) APY (%)
3 months
6 months
9 months
12 months
18 months
24 months
30 months
36 months
48 months
60 months

$5,000 minimum balance
Effective as of May 24, 2019

Term Interest Rate (%) APY (%)
3 months
6 months
9 months
12 months
18 months
24 months
30 months
36 months
48 months
60 months

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 on the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply for online and phone account opening, excluding residents of AZ, FL, IL, IN, KS, MN, MO and WI.

Add-on CD

For as little as $1,000 and a one-year term, you can gradually build your savings by adding to your initial investment whenever you want.2

$1,000 minimum balance
Effective as of May 24, 2019

Term Interest Rate (%) APY (%)
1 Year
3 Year 2.225% 2.25%

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 on the entire collected balance. Fees or withdrawals will reduce earnings. These rates apply for online and phone account opening, excluding residents of AZ, FL, IL, IN, KS, MN, MO and WI.



Tools and resources


Differences between CDs, Money Market Accounts, & Statement Savings

CDs

Invest a set amount of money for a set amount of time and enjoy a guaranteed interest rate.

Meet with us

Money Market

Grow your investment with our high-yield money market account and maintain your liquidity.5

Learn more

Statement Savings

Earn interest on your everyday savings and have the flexibility to access your funds whenever you need.5

Learn more