Certificate of
Deposit (CD)1

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

Limited-Time CD Specials2

We are currently offering BMO Harris checking account customers exclusive access to special CD rates and terms. Choose your term and take your savings higher.

Term Rate3 Minimum Deposit
17-month CD 1.00% APY $5,000
33-month CD 1.25% APY
42-month CD 1.50% APY

These rates are effective as of May 6, 2016. Our CD Specials can only be opened in-branch or by phone.

Not currently a BMO Harris checking customer?

Download this coupon for a special offer on BMO Harris checking accounts. Certain restrictions apply.

CD account features

  • With terms from one month to five years, you can choose one that best matches your needs.
  • Commit to a longer term or larger deposit and benefit from higher interest rates.
  • Enjoy the stability that comes with a fixed interest rate for the length of your term.4
  • Interest is compounded daily, allowing you to calculate your return ahead of time.4
  • Ladder several CDs with various terms. You’ll benefit from the higher interest rates of longer term CDs, while maintaining your liquidity.
  • Automatic redeposit of earned interest helps you easily build an emergency fund or save for a specific goal.
  • Save with confidence. All accounts are FDIC insured to the maximum allowed by law.5

CD account rates

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$1,000 Minimum balance6
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 balance6
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 balance6
Effective as of

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

Open now will start the application process.

Minimum balance

Term

Open now
See our limited-time special rates and terms on CDs >

Tools and Resources

Your banking your way

Experience BMO Harris Banking

BMO Harris Online Banking®

Enjoy convenient, user-friendly, secure7 banking at your fingertips.

BMO Harris Mobile Banking®

Bank anytime, anywhere right from your mobile phone or tablet.8

Managing Money

Keep an eye on your accounts with BMO Harris Total Look®. Monitor transactions and stay on track by creating a personalized savings goal.

You may also be interested in:

BMO Harris Select Money Market®

Grow your investment with our high-yield money market account and maintain your liquidity.9

Learn more about our high-yield money market account

Statement Savings

Earn interest on your everyday savings and have the flexibility to access your funds whenever you need.9

Learn more about earning interest on your everyday savings
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Getting Started

Whether you’re looking to start a new relationship with BMO Harris Bank or expand with an existing BMO Harris relationship, there are multiple ways to apply for any type of account you’re looking for.

Existing Customer

If you’re already a BMO Harris Bank customer, you can easily apply for your new account online.

New Customer

If you’re not already a BMO Harris Bank customer, there are multiple ways to apply for any type of account you’re looking for.