# BMO Bank CD rates

As of October 22, 2026, BMO Bank's best CD rate for ZIP 53202 (Milwaukee, WI) is 3.35% APY on a 59-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 60-month CDs (1.41%). The best rate was 3.35% APY in all 3 ZIP codes checked.

Canonical page: https://apyledger.com/cd-rates/bmo-bank
Institution: BMO Bank National Association (FDIC 16571)
Aliases: BMO, BMO Harris, BMO Harris Bank
Status: live
Last verified: 2026-10-22T10:34:13.000Z (October 22, 2026)
Official source: https://www.bmo.com/en-us/main/personal/savings-and-cds/certificates-of-deposit/
Coverage: CD Special quotes for the ZIP codes checked. Standard BMO CDs are not listed.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| BMO CD Specials | promotional | 13 months | $1,000 | 3.00% | ZIP 53202 (Milwaukee, WI) | −1.60% | 2026-10-22T10:33:43.000Z | [Snapshot 230](https://apyledger.com/snapshots/230) |
| BMO CD Specials | promotional | 25 months | $1,000 | 3.10% | ZIP 53202 (Milwaukee, WI) | −1.77% | 2026-10-22T10:33:43.000Z | [Snapshot 230](https://apyledger.com/snapshots/230) |
| BMO CD Specials | promotional | 35 months | $1,000 | 3.15% | ZIP 53202 (Milwaukee, WI) | −1.79% | 2026-10-22T10:33:43.000Z | [Snapshot 230](https://apyledger.com/snapshots/230) |
| BMO CD Specials | promotional | 45 months | $1,000 | 3.25% | ZIP 53202 (Milwaukee, WI) | −1.72% | 2026-10-22T10:33:43.000Z | [Snapshot 230](https://apyledger.com/snapshots/230) |
| BMO CD Specials | promotional | 59 months | $1,000 | 3.35% | ZIP 53202 (Milwaukee, WI) | −1.66% | 2026-10-22T10:33:43.000Z | [Snapshot 230](https://apyledger.com/snapshots/230) |
| BMO CD Special | promotional | 13 months | $1,000 | 3.00% | ZIP 60603 (Chicago, IL) | −1.60% | 2026-10-22T10:33:58.000Z | [Snapshot 232](https://apyledger.com/snapshots/232) |
| BMO CD Special | promotional | 25 months | $1,000 | 3.10% | ZIP 60603 (Chicago, IL) | −1.77% | 2026-10-22T10:33:58.000Z | [Snapshot 232](https://apyledger.com/snapshots/232) |
| BMO CD Special | promotional | 35 months | $1,000 | 3.15% | ZIP 60603 (Chicago, IL) | −1.79% | 2026-10-22T10:33:58.000Z | [Snapshot 232](https://apyledger.com/snapshots/232) |
| BMO CD Special | promotional | 45 months | $1,000 | 3.25% | ZIP 60603 (Chicago, IL) | −1.72% | 2026-10-22T10:33:58.000Z | [Snapshot 232](https://apyledger.com/snapshots/232) |
| BMO CD Special | promotional | 59 months | $1,000 | 3.35% | ZIP 60603 (Chicago, IL) | −1.66% | 2026-10-22T10:33:58.000Z | [Snapshot 232](https://apyledger.com/snapshots/232) |
| BMO CD Specials | promotional | 13 months | $1,000 | 3.00% | ZIP 85004 (Phoenix, AZ) | −1.60% | 2026-10-22T10:34:13.000Z | [Snapshot 236](https://apyledger.com/snapshots/236) |
| BMO CD Specials | promotional | 25 months | $1,000 | 3.10% | ZIP 85004 (Phoenix, AZ) | −1.77% | 2026-10-22T10:34:13.000Z | [Snapshot 236](https://apyledger.com/snapshots/236) |
| BMO CD Specials | promotional | 35 months | $1,000 | 3.15% | ZIP 85004 (Phoenix, AZ) | −1.79% | 2026-10-22T10:34:13.000Z | [Snapshot 236](https://apyledger.com/snapshots/236) |
| BMO CD Specials | promotional | 45 months | $1,000 | 3.25% | ZIP 85004 (Phoenix, AZ) | −1.72% | 2026-10-22T10:34:13.000Z | [Snapshot 236](https://apyledger.com/snapshots/236) |
| BMO CD Specials | promotional | 59 months | $1,000 | 3.35% | ZIP 85004 (Phoenix, AZ) | −1.66% | 2026-10-22T10:34:13.000Z | [Snapshot 236](https://apyledger.com/snapshots/236) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.