Desktop Header - Certificate Deposit Mobile Header - Certificate Deposit

Certificate of Deposit (CD)1

Get competitive, guaranteed rates that are FDIC-insured.2 They’re available as regular or jumbo ($100,000 or more) investments as well as IRAs. And with terms from one month to five years, there’s a BMO Harris CD for everyone.

Add security to your portfolio:
open a BMO Harris CD

Select a CD



Open now
Open now will start the application process

See rates for zip

The zip code entered is not valid


Minimum Balance To
Obtain APY 3

$1,000 Minimum balance4
Effective as of

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

$5,000 Minimum balance4
Effective as of

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

$100,000 Minimum balance4
Effective as of

Term Interest Rate (%) APY (%)3
1 months5
2 months5
3 months
6 months
9 months
12 months
18 months
24 months
30 months
36 months
48 months
60 months

Select CD Features:

  • Fixed interest rates6
  • Interest compounded daily and paid at maturity on 1-, 2-, 3-, 6- and 9-month CDs6
  • Interest compounded daily and paid quarterly on CDs of one year or longer6
  • $1,000 minimum opening deposit for regular CDs7
  • Higher interest rates may be paid on Collected Balances of at least $5,000 and $100,000
  • BMO Harris Bank by PhoneSM 8
  • Manage your account with online and mobile banking9
  • Automatic redeposit of earned interest
  • Automatic renewal
  • Interest on non-IRA CDs of $5,000 or more can be paid by check or credited monthly or quarterly to another BMO Harris account
  • Notice sent prior to maturity and confirmation notice sent after renewal10
  • Penalty for early withdrawal11
The following documents describe terms and conditions that apply to your account:

Have Questions?






  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. Withdrawals will reduce earnings. These rates apply to our Arizona locations only.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. 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.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. 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.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. Withdrawals will reduce earnings. These rates apply to our Central and Southern Indiana locations only.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. Withdrawals will reduce earnings. These rates apply to our Kansas locations and locations in Jackson, Buchanan and Clay Counties in Missouri.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. Withdrawals will reduce earnings. These rates apply to our Minnesota locations (excluding locations in St. Louis County) and our locations in Pierce and St. Croix Counties in Wisconsin.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. Withdrawals will reduce earnings. These rates apply to our Missouri locations (excluding locations in Jackson, Buchanan and Clay Counties) and our locations in St. Clair County in Illinois.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. Withdrawals will reduce earnings. These rates apply to our Southern Wisconsin locations and locations in Roscoe and South Beloit, Illinois.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. Withdrawals will reduce earnings. These rates apply to our Washington locations only.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
  1. Maximum opening deposit of $100,000 per CD applied for online. The CD must be funded within 10 business days of online application. Funds from CDs applied for online may not be withdrawn for the first 11 days after funding. CDs applied for online can only be in individual or joint ownership. Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.
  2. Please visit www.fdic.gov for current FDIC insurance limits.
  3. All Interest Rates and Annual Percentage Yields (APY) are accurate as of the effective date shown above and are subject to change at any time. Withdrawals will reduce earnings. These rates apply to our Northern Wisconsin locations (excluding locations in Pierce and St. Croix Counties) and our locations in St. Louis County in Minnesota.
  4. Any renewing CD with a balance less than $1,000 will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  5. 1 and 2 month CDs are Jumbo CDs, are not available to be opened online, and are not available for IRA accounts. To open a 1 or 2 month Jumbo CD, please visit a BMO Harris location. Any renewing 1 or 2 month Jumbo CD with a balance of less then $100,000 will renew with an interest rate and APY equal to the lowest prevailing Statement Savings rate. Click here for Statement Savings rate
  6. View information about Interest Rates and Calculations on deposit accounts.
  7. Additional deposits to an existing account: Each CD is treated as a separate account with its own interest rate and maturity. You cannot make additional deposits into or withdrawals from an existing CD until the maturity date. Additional funds may be added and withdrawals may be made during the grace period of ten (10) calendar days after the maturity date.
  8. Click here for Transaction Limitations.
  9. Message and data rates may apply. Contact your wireless carrier for details.
  10. Maturity, renewal and grace period: Unless you have instructed us or we have disclosed to you otherwise, your CD will automatically renew at the maturity date to another CD of an equal term at the then current interest rate and Annual Percentage Yield (APY) for that term and current balance. If the CD has a balance less than $1,000, it will automatically renew for the same term with an interest rate and APY equal to the lowest prevailing Statement Savings rate. You will have a grace period of ten (10) calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Accounts that do not automatically renew will not earn interest after the maturity date. CDs of $100,000 or more may not automatically renew.
  11. Early withdrawal penalty and computation method: When you make a deposit to any of our CD products, you are agreeing to keep the funds on deposit until the stated maturity date. The maturity date is the first day you can change the term or rate and make a withdrawal without paying an early withdrawal penalty. We reserve the right to permit withdrawals of principal upon maturity only. If we permit you to make an early withdrawal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty. These penalties do not apply to Qualified IRA Distributions. The penalties are as follows:
CDs with terms of: Are Charged:
1 month (7-59 days) Loss of interest
2-11 months (60 days up to and including 364 days) Loss of 90 days' interest
One year or longer Loss of 180 days' interest