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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

2.25%

APY

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30-month term

2.50%

APY

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60-month term

3.00%

APY

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$5,000 Minimum Deposit Required

18-month term

2.25%

APY

$5,000
Minimum Deposit Required

Open now

30-month term

2.50%

APY

$5,000
Minimum Deposit Required

Open now

60-month term

3.00%

APY

$5,000
Minimum Deposit Required

Open now

These rates are effective as of July 16, 2018.


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.

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Available CDs

Standard CD

Step Rate CD

Features:
Terms start as short as 3 months, with lower required minimum opening deposits than CD Specials and Step Rate CDs.
Features:
Take the guesswork out of when rates will rise. This CD has rates that automatically increase at set intervals.2
A good choice if:
You have less than $5,000 to invest.
A good choice if:
You don’t have time to watch rates. This CD automatically increases your rate during the term.
$1,000
minimum balance required
$5,000
minimum balance required
3 month – 5 year
terms
3 year
term
No
rate increases
Rates will increase at intervals predetermined by us

Standard CD

Features:
Terms start as short as 3 months, with lower required minimum opening deposits than CD Specials and Step Rate CDs.

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


Step Rate CD

Features:
Take the guesswork out of when rates will rise. This CD has rates that automatically increase at set intervals.2

A good choice if:
You don’t have time to watch rates. This CD automatically increases your rate during the term.

$5,000
minimum balance required

3 year
term

Rates will increase at intervals predetermined by us



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 July 16, 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 July 16, 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 July 16, 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

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Step Rate CD

Enjoy set rate increases over the term of your CD to help your savings grow.2

$5,000 minimum balance on a 3-year term
Effective as of July 16, 2018

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


Open a BMO Harris CD



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.4

Learn more

Statement Savings

Earn interest on your everyday savings and have the flexibility to access your funds whenever you need.4

Learn more