BMO Bank CD Rates — October 2026
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.
Tracking began .
Rates by location
BMO Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
BMO Bank CD rates in Phoenix, AZ
CD Special quotes for the ZIP codes checked. Standard BMO CDs are not listed.
| Term | Product | APY |
|---|---|---|
| 13 months | BMO CD Specials Promotional | 3.00%Verified October 22, 2026 |
| 25 months | BMO CD Specials Promotional | 3.10%Verified October 22, 2026 |
| 35 months | BMO CD Specials Promotional | 3.15%Verified October 22, 2026 |
| 45 months | BMO CD Specials Promotional | 3.25%Verified October 22, 2026 |
| 59 months | BMO CD Specials Promotional | 3.35%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are BMO Bank's best CD rates by term?
BMO Bank's best rate for ZIP 85004 is 3.35% APY on 59 months, verified October 22, 2026.
- 13 mo3.00%
- 25 mo3.10%
- 35 mo3.15%
- 45 mo3.25%
- 59 mo3.35%
How much interest could a BMO Bank CD earn?
Estimated interest at maturity for the displayed ZIP 85004 quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 59 months | $879.583.35% APY · BMO CD Specials · Promotional | $1,759.163.35% APY · BMO CD Specials · Promotional | $4,397.893.35% APY · BMO CD Specials · Promotional | $8,795.793.35% APY · BMO CD Specials · Promotional |
How BMO Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1795-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| BMO Bank (this institution)BMO CD Specials · Promotional | 59 months | $1,000 | Phoenix, AZ · ZIP 85004 | 3.35% | October 22, 2026 |
| BMO Bank (this institution) (highest tracked APY for this term)BMO CD Specials · Promotional | 59 months | $1,000 | Milwaukee, WI · ZIP 53202 | 3.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 59 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 5.01% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking BMO Bank on October 22, 2026.
About BMO Bank
- Legal name
- BMO Bank National Association
- Regulator ID
- FDIC 16571
- Headquarters
- Chicago, IL
- Available in
- AZ, CA, CO, FL, IA, ID, IL, IN, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, TX, UT, WA, WI, WY
- Total assets
- $255.0 billion
- Also known as
- BMO, BMO Harris, BMO Harris Bank
- Website
- www.bmo.com
Source: rates read from https://www.bmo.com/en-us/main/personal/savings-and-cds/certificates-of-deposit/. See the page text we read.
Frequently asked questions
What is the highest CD rate at BMO Bank?
3.35% APY on a 59-month promotional CD for ZIP 53202, as of October 22, 2026.
What is the minimum deposit for a BMO Bank CD?
The lowest minimum we found is $1,000.
Do BMO Bank CD rates depend on where you live?
Rates may depend on location. The best rate was 3.35% APY in all 3 ZIP codes checked.
How does BMO Bank's best CD rate compare with Treasury yields?
3.35% APY is −1.66% versus the 59-month Treasury yield of 5.01% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.35% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.41% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are BMO Bank CDs insured?
BMO Bank is an FDIC-insured bank (FDIC 16571). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check BMO Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from BMO Bank's website and may change at any time. Confirm terms, minimums and eligibility with BMO Bank before opening an account. This page is not financial advice.