BMO: CD Rates & Fixed Deposits (2026)

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BMO CD Rates & Fixed Deposits Ratings Breakdown

Overall 8.7 / 10

BMO achieves an overall rating of 8.7/10 in CD Rates & Fixed Deposits based on interest rates, fees, digital tools, customer service, and rewards.

Interest Rates & APY 9.0 / 10

BMO delivers strong above-average performance for Interest Rates & APY (9/10), offering reliable features and well-structured CD Rates & Fixed Deposits options.

Fees & Minimums 8.4 / 10

BMO provides solid, dependable Fees & Minimums in CD Rates & Fixed Deposits (8.4/10), balancing convenience with standard market pricing.

Customer Service 8.7 / 10

BMO delivers strong above-average performance for Customer Service (8.7/10), offering reliable features and well-structured CD Rates & Fixed Deposits options.

Mobile App & Digital Banking 9.0 / 10

BMO delivers strong above-average performance for Mobile App & Digital Banking (9/10), offering reliable features and well-structured CD Rates & Fixed Deposits options.

Rewards & Perks 8.4 / 10

BMO provides solid, dependable Rewards & Perks in CD Rates & Fixed Deposits (8.4/10), balancing convenience with standard market pricing.

BMO CD Rates & Fixed Deposits Review & Rating (8.7/10)

In our comprehensive evaluation of BMO CD Rates & Fixed Deposits, BMO earns an overall category score of 8.7/10. BMO (following its acquisition of Bank of the West) serves over 13 million customers across North America with digital checking, competitive promotional CDs, high-yield savings via BMO Alto, and commercial lending.

BMO CD Rates & Fixed Deposits Aspect Breakdown

  • Interest Rates & APY (9/10): BMO delivers strong above-average performance for Interest Rates & APY (9/10), offering reliable features and well-structured CD Rates & Fixed Deposits options.
  • Fees & Minimums (8.4/10): BMO provides solid, dependable Fees & Minimums in CD Rates & Fixed Deposits (8.4/10), balancing convenience with standard market pricing.
  • Customer Service (8.7/10): BMO delivers strong above-average performance for Customer Service (8.7/10), offering reliable features and well-structured CD Rates & Fixed Deposits options.
  • Mobile App & Digital Banking (9/10): BMO delivers strong above-average performance for Mobile App & Digital Banking (9/10), offering reliable features and well-structured CD Rates & Fixed Deposits options.
  • Rewards & Perks (8.4/10): BMO provides solid, dependable Rewards & Perks in CD Rates & Fixed Deposits (8.4/10), balancing convenience with standard market pricing.

Bottom Line Verdict

Whether you are comparing BMO's CD Rates & Fixed Deposits for everyday value, low fees, or digital banking convenience, BMO stands out as a competitive choice in United States. Compare individual BMO accounts and head-to-head bank matchups below.

BMO CD Rates & Fixed Deposits Accounts & Offerings

BMO Alto Online Savings Account

BMO Alto Online Savings Account

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BMO Smart Advantage Checking

BMO Smart Advantage Checking

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