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BMO Alto High Yield Account Review - Full guide (2024)BMO offers ten certificates of deposit (CD) terms, ranging from three months to 60 months. The North American bank's standard CD rates are low. BMO Special CDs and BMO Alto CDs offer great interest rates, while BMO Standard CD rates are low overall. Grow your savings with our high-yield online-only CD s. No minimum balance. $0 minimum opening deposit. 6 available fixed terms (6 months to 60 months).