Bank · FDIC insured
BMO Alto CD Rates
BMO Alto’s best CD rate is 3.35% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 25, 2026.
How BMO Alto’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
BMO Alto
3.35%APY
- Term
- 60 months
- Minimum
- $0
- Earns on $10,000
- $1,791
Alto Online Certificates of Deposit (CDs)
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
BMO Alto CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BMO Alto ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Alto Online Certificates of Deposit (CDs)
Up to 3.35%APY · 6 terms
Available to U.S. citizens and U.S. resident aliens 18 and older for individual or joint accounts. Cannot be opened in the name of a business, trust, or fiduciary capacity. Alto does not offer UTMA accounts or IRA CDs. Account must be funded within 10 days of opening or it will be closed. Funds may not be withdrawn for 15 days after initial funding. Early withdrawal penalties may apply. No fees charged.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed interest rate paid monthly. If interest rates change between opening date and funding date, customer receives the higher APY. Must be funded within 10 days. Early withdrawal penalty may apply. Funds may not be withdrawn for 15 days after initial funding | 2.50% | $124 |
| 12 monthsFixed interest rate paid monthly. If interest rates change between opening date and funding date, customer receives the higher APY. Must be funded within 10 days. Early withdrawal penalty may apply. Funds may not be withdrawn for 15 days after initial funding | 3.00% | $300 |
| 24 monthsFixed interest rate paid monthly. If interest rates change between opening date and funding date, customer receives the higher APY. Must be funded within 10 days. Early withdrawal penalty may apply. Funds may not be withdrawn for 15 days after initial funding | 3.10% | $630 |
| 36 monthsFixed interest rate paid monthly. If interest rates change between opening date and funding date, customer receives the higher APY. Must be funded within 10 days. Early withdrawal penalty may apply. Funds may not be withdrawn for 15 days after initial funding | 3.15% | $975 |
| 48 monthsFixed interest rate paid monthly. If interest rates change between opening date and funding date, customer receives the higher APY. Must be funded within 10 days. Early withdrawal penalty may apply. Funds may not be withdrawn for 15 days after initial funding | 3.25% | $1,365 |
| 60 monthsFixed interest rate paid monthly. If interest rates change between opening date and funding date, customer receives the higher APY. Must be funded within 10 days. Early withdrawal penalty may apply. Funds may not be withdrawn for 15 days after initial funding | 3.35% | $1,791 |
Sources (3)
All captured Oct 25, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.