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Certificate of
Deposit (CD)1

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

Special

Special Rates on CDs

18-month term

2.65%

APY

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30-month term

3.00%

APY

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60-month term

3.50%

APY

Open now

$5,000 Minimum Deposit Required

18-month term

2.65%

APY

$5,000
Minimum Deposit Required

Open now

30-month term

3.00%

APY

$5,000
Minimum Deposit Required

Open now

60-month term

3.50%

APY

$5,000
Minimum Deposit Required

Open now

These rates are effective as of December 14, 2018.

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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?

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Available CDs

Standard CD

Add-on CD

Bump Rate CD

Step Rate 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
Features:
You have one opportunity to bump your interest rate to the current Standard CD rate for the remaining term of your CD3
Features:
Enjoy a set rate increase over the term of your CD to help your savings grow.4
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.
A good choice if:
You want the opportunity to potentially benefit from higher rates down the road.
A good choice if:
You have more money to deposit upfront and want the guarantee of a pre-determined rate increase at set intervals.
$1,000
minimum balance required
$1,000
minimum balance required
$5,000
minimum balance required
$5,000
minimum balance required
3 month – 5 year
terms
1 & 2 year
terms
6 year
term
3 & 4 - 6 year
terms
No
rate increases
No
rate increases
One time possible
rate increase
Rate increases every 6 months or annually.

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 & 2 year
terms

No
rate increases


Bump Rate CD

Features:
You have one opportunity to bump your interest rate to the current Standard CD rate for the remaining term of your CD.3

A good choice if:
You want the opportunity to potentially benefit from higher rates down the road.

$5,000
minimum balance required

6 year
term

One time
rate increase


Step Rate CD

Features:
Enjoy a set rate increase over the term of your CD to help your savings grow.2

A good choice if:
You have more money to deposit upfront and want the guarantee of a pre-determined rate increase at set intervals.

$5,000
minimum balance required

3 & 4 - 6 year
terms

Rate increases every 6 months or annually



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 December 14, 2018

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 December 14, 2018

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

$100,000 minimum balance
Effective as of December 14, 2018

Term Interest Rate (%) APY (%)
1 months
2 months
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

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 December 14, 2018

Term Interest Rate (%) APY (%)
1 Year
2 Year

$5,000 minimum balance
Effective as of December 14, 2018

Term Interest Rate (%) APY (%)
1 Year
2 Year

$100,000 minimum balance
Effective as of December 14, 2018

Term Interest Rate (%) APY (%)
1 Year
2 Year

Bump Rate CD

After one year, you can bump your interest rate once to the Standard CD rate in effect for the remaining term of your CD.3

$5,000 minimum balance
Effective as of December 14, 2018

Term Interest Rate (%) APY (%)
3 Year

Step Rate CD

Enjoy a set rate increases over the term of your CD to help your savings grow.4

$5,000 minimum balance on a 3-year term
Effective as of December 14, 2018

Steps Interest Rate (%) APY (%)
Year 1
Year 2
Year 3
Blended APY -

$5,000 minimum balance on a 6-year term
Effective as of December 14, 2018

Steps Interest Rate (%) APY (%)
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Blended APY -

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 December 14, 2018

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 December 14, 2018

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

$100,000 minimum balance
Effective as of December 14, 2018

Term Interest Rate (%) APY (%)
1 months
2 months
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

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 December 14, 2018

Term Interest Rate (%) APY (%)
1 Year
2 Year

$5,000 minimum balance
Effective as of December 14, 2018

Term Interest Rate (%) APY (%)
1 Year
2 Year

$100,000 minimum balance
Effective as of December 14, 2018

Term Interest Rate (%) APY (%)
1 Year
2 Year

Bump Rate CD

After one year, you can bump your interest rate once to the Standard CD rate in effect for the remaining term of your CD.3

$5,000 minimum balance
Effective as of December 14, 2018

Term Interest Rate (%) APY (%)
3 Year

Step Rate CD

Enjoy a set rate increase over the term of your CD to help your savings grow.4

$5,000 minimum balance on a 3-year term
Effective as of December 14, 2018

Steps Interest Rate (%) APY (%)
Year 1
Year 2
Year 3
Blended APY -

$5,000 minimum balance on a 6-year term
Effective as of December 14, 2018

Steps Interest Rate (%) APY (%)
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Blended APY -



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