FDIC-Insured—Backed by the full faith and credit of the U.S. Government
BMO Alto Online Certificates of Deposit (CDs)
Grow your savings with our high-yield online-only CDs.
- No minimum balance
- $0 minimum opening deposit
- 6 available fixed terms (6 months to 60 months)
- Interest paid monthly
3.00%
APY with a 12-month term as of May 15, 2025
Find out how much you could earn with a BMO Alto Online CD
You could earn $148.89 interest by November 2025 for a total of $10,148.89
| Month | Your estimated growth |
|---|---|
| Month 0 | $0 |
| Month 1 | $25 |
| Month 2 | $50 |
| Month 3 | $74 |
| Month 4 | $99 |
| Month 5 | $124 |
| Month 6 | $148 |
BMO Alto Online CD Deposit Account Disclosure: OPEN PDF
Get a full breakdown of our account terms and agreements
Enjoy the BMO Alto Advantage
FDIC Insured
Enjoy peace of mind knowing that your money is safe and secure.Maximize your long-term savings
The more you save, the more you earn.
Manage your account on the go
Access our optimized, easy to use banking features.
Earn high interest on your savings
Choose from six fixed terms.Bank safely and securely
All BMO Alto accounts are FDIC insured. Please visit www.fdic.gov for current deposit insurance limits.