BMO Alto CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 3.80%, 6-month CD rates at 0.35% and 3-month CD rates at 1.00%. Current savings rates are at 0.01% and money market rates are at 1.13%. Mortgage rates today on 30-year fixed loans are around 6.29%. Credit Card rates are at 8.50%. Personal Loan rates are at 13.04%. All these rates, and more, can be found in our database of rates. BMO Alto's 6-Month CD rates are at 3.90%, 12-Month CD rates are at 3.90%, 60-Month CD rates are at 3.60%, 48-Month CD rates are at 3.50%, 36-Month CD rates are at 3.50%. BMO Alto's savings rates are at 4.00%.

BMO Alto

To see how these rates compare to BMO Alto CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from BMO Alto, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with BMO Alto CD rates. You can also compare BMO Alto savings rates, MMA rates and mortgage rates using our other rate lists.

BMO Alto money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BMO Alto? Share your experience about BMO Alto by leaving a review below, or read customer reviews before you decide to use BMO Alto.

BMO Alto Texas Ratio

BMO Alto's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for BMO Alto is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, BMO Alto is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

3.90%

2.55%

18-Month CD

N/A

2.29%

24-Month CD

3.50%

2.28%

36-Month CD

3.50%

2.20%

48-Month CD

3.50%

2.14%

60-Month CD

3.60%

2.26%

Savings

4.00%

0.65%

MMA

N/A

1.03%

30-Year Fixed

N/A

6.63%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

BMO Alto

110 E Irving Park Rd
Roselle, IL 60172

https://www.bmo.com

MonitorBankRates' Rating

5/5

★★★★★

Review BMO Alto

BMO Alto CD Rates and Interest Rates

BMO Alto

Online Savings

4.00%

BMO Alto

12-Month CD

3.90%

BMO Alto

6-Month CD

3.90%

BMO Alto

60-Month CD

3.60%

BMO Alto

24-Month CD

3.50%

BMO Alto

36-Month CD

3.50%

BMO Alto

48-Month CD

3.50%

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare BMO Alto Rates with Other Competitive Bank and Credit Union Rates

Cendera Bank

18-Month CD

3.95%

$1,000

Farmers Bank Buhl, ID

12-Month CD

3.95%

$500

Ixonia Bank

6-Month CD

3.90%

$1,000

Aberdeen Proving Ground FCU

60-Month CD

3.80%

$100

GSL Savings Bank

12-Month CD

3.77%

$500

Freedom Bank of Southern Missouri

18-Month CD

3.75%

$1,000

Pentucket Bank

24-Month CD

3.75%

$500

ESSA Bank & Trust

36-Month CD

3.70%

$1,000

VirtualBank

60-Month CD

3.51%

Generations Commercial Bank

18-Month CD

3.50%

$500

National Bank of Malvern

24-Month CD

3.50%

$500

Utah Independent Bank

60-Month CD

3.34%

$500

Kearney Trust Company

48-Month CD

3.30%

$100

The Peoples S&L Co.

48-Month CD

3.03%

$500

FSB of Randolph County

12-Month CD

3.00%

$500

1st Security Bank of Washington

60-Month CD (relationship)

2.65%

$500

Wyoming Community Bank

48-Month CD

2.60%

$1,000

Horicon Bank

48-Month CD

2.52%

First Southern State Bank

36-Month CD

2.27%

$500

Union Federal S&L

48-Month CD

2.25%

$200

State Bank Fenton, MI

Kasasa Checking

2.02%

First Resource Bank Exton, PA

Money Market

2.00%

$100,000

Farmers and Merchants Bank Berlin, WI

12-Month CD

2.00%

$500

Fidelity Co-operative Bank

BusinessWorx Money Market

2.00%

$150,000

Achieva Credit Union

48-Month CD

1.75%

$500

FNB of Brookfield

Presidents Checking

1.21%

$2,500

SpiritBank

24-Month CD

1.10%

$1,000

Midland Federal S&L

48-Month CD

1.01%

$1,000

Bank of Hindman

6-Month CD

0.75%

$1,000

Geddes Federal S&L

Money Market

0.70%

$250,000

PS Bank

48-Month CD

0.70%

$500

Unico Bank

36-Month CD

0.55%

$1,000

American Bank of Baxter Springs

24-Month CD

0.50%

$1,000

Ion Bank

18-Month CD

0.50%

$500

Vinton County Bank

6-Month CD

0.50%

$2,500

Security State Bank of Marine

24-Month CD

0.45%

$300

Washington Financial Bank

48-Month CD

0.45%

$50

Bank of Old Monroe

Savings

0.40%

Y-12 Federal Credit Union

6-Month CD

0.40%

$500

Freehold Bank

12-Month CD

0.35%

$500

Greene County Commercial Bank

24-Month CD

0.35%

$1,000

Metropolitan Bank

12-Month CD

0.30%

$2,500

The Harrison B&L Assoc.

18-Month CD

0.30%

$1,000

Greenville National Bank

Premier Money Market

0.30%

$5,000

Education Credit Union

Share Savings

0.20%

$100

Gate City Bank

Minor Savings

0.15%

Marathon Bank

Money Market

0.15%

$2,500

Comerica

36-Month CD

0.15%

Ergo Bank

Go Savings

0.05%

$100

Citizens Bank

Private Client Money Market

0.05%

$25,000

Disclaimer

Mortgage Rates April 23, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

Catskill Hudson Bank

15-Year Fixed

5.125%

5.243%

0.625

Americas First Federal Credit Union

15-Year Fixed

5.560%

5.250%

0.000

Lakewood Credit Union

15 Year Fixed

5.300%

5.390%

0.000

Sikorsky Credit Union

15-Year Fixed

5.375%

5.431%

0.000

DCU Digital Federal Credit Union

10-Year Fixed

5.125%

5.447%

1.125

Navy Federal Credit Union

15-Year Fixed

5.250%

5.482%

0.500

Pioneer Federal Credit Union

15-Year Fixed

5.250%

5.491%

0.000

Piedmont Advantage Credit Union

15-Year Fixed

5.250%

5.506%

0.000

Pittsford Federal Credit Union

15-Year Fixed

5.375%

5.507%

0.000

State Employees Credit Union

10-Year Fixed

5.300%

5.518%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.300%

5.518%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

Abound Federal Credit Union

15-Year Fixed Jumbo

5.500%

5.526%

0.000

Pittsford Federal Credit Union

10-Year Fixed

5.375%

5.563%

0.000

First FSB of Champaign Urbana

10-Year Fixed

5.500%

5.569%

0.000

Nuvision Federal Credit Union

15-Year Fixed

5.250%

5.570%

1.250

DCU Digital Federal Credit Union

15-Year Fixed

5.375%

5.582%

1.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

Hawaii State Federal Credit Union

15 Year Fixed

5.250%

5.615%

1.750

Hatboro Federal Savings

15-Year Fixed

5.250%

5.629%

2.000

Abound Federal Credit Union

15-Year Fixed

5.500%

5.638%

0.000

Norfolk Community Federal Credit Union

10 Year Fixed

5.500%

5.639%

0.250

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

BMO Alto Information

BMO Alto

110 E Irving Park Rd
Roselle, IL 60172
Dupage
Established Date: 05/28/2005
FDIC Certificate #: 58216
Date of FDIC Deposit Insurance: 05/28/2005

Bank Holding Company: BANK OF MONTREAL

How Many Domestic U.S. Offices? 1

How Many Branches are There? 1

Website: https://www.bmo.com

Is BMO Alto FDIC Insured? Yes

What is BMO Alto's Cert number? 58216

What is the maximum amount for insured deposits? $250,000 per holder, per account

BMO Alto Financials

Total Assets:

$8,133,000

Total Deposits:

$1,000,000

Equity Capital:

$7,100,000

Domestic Deposits:

$1,000,000

Net Income:

$6,000

Return on Assets:

0.3122%

Quarterly Return on Assets:

0.3000%

Pretax Return on Assets:

0.4428%

Pretax Quarterly Return on Assets:

0.4400%

Return on Equity:

0.3600%

Quarterly Return on Equity:

0.3400%

Common Equity Tier 1 Capital Ratio:

445.5688%

Tier 1 Risk-Based Capital Ratio:

445.5688%

Leverage Tier 1 (Core Capital) Ratio:

87.3460%

Total Risk-Based Capital Ratio (YTD):

445.5688%

Total Interest Income (YTD):

0.0000%

Headquarters:

Roselle

FDIC Field Office:

Chicago

Regulator:

OCC

County:

Dupage

# of Offices:

Metropolitan Statistical Area (MSA):

Chicago-Naperville-Elgin, IL-IN-WI

Consolidated Metropolitan Statistical Area (CMSA):

Chicago-Gary-Kenosha, IL-IN-WI

OTS Region:

Central

FDIC Region:

Chicago

Source: FDIC Last Updated 03/31/2024

Top 50 CD Rates on 12-Month Certificates of Deposit 1/6/24

The 12-month CD rates listed here are significantly higher than the average 12-month rate of 2.82% in our database of rates as of 1/6/24. Right now the best CD rate on our 12-month list is at 6.00%, two credit unions are currently offering the top rate, City Credit Union Credit Human FCU. The third best rate is also from a credit union, All In Credit Union is offering a 12-month jumbo CD rate of 5.80%.

The 4th best 12-month rate is from MyeBanc, currently offering a 12-month jumbo CD rate of 5.77% APY. Bayer Heritage FCU has the 5th best rate at 5.76% for a 12-month jumbo CD. The 6th best rate is a three-way tie at 5.75% APY, All In Credit Union, One World Bank and Washita State Bank are all offering a 5.75% APY for a regular 12-month CD. You can view the top 50 rates below, do your own search of our database for the best CD rates on 12-month CDs.

BMO Alto CD Rates: 5.50% APY 12-Month CD, 6-Month CD 5.20% APY

BMO Alto CD rates on the bank's short-term certificates of deposit are very good right now. BMO Alto's 12-month CD rate at 5.50% APY, ties the bank for 25th place for the highest 12-month CD rates in our database of rates. 6-month CD rates at BMO Alto are also a good deal at 5.20% APY. There is no minimum opening deposit for any CD account/term. You can view a complete list of BMO Alto CD Rates below and compare those rates with other bank CD rates.

Current BMO Alto CD Rates

APY: 5.50%

BMO Alto CD Rates: 12-Month at 5.40% APY, 6-Month at 5.20% APY

Oh, hold onto your seats, CD rate junkies! The once humdrum world of Certificate of Deposit (CD) accounts is undergoing a revolution, and it's led by none other than BMO Alto. Forget Netflix dramas, the most exciting plot twist is here: staggering interest rates that seem to defy conventional banking logic. How does a 12-month CD at 5.40% APY grab you? But hold your applause; there's more. BMO Alto has unleashed an array of special CD rates ranging from 5.40% to an eye-watering 4.50% for terms up to 60 months.

BMO Alto CD rates are some of the highest CD rates available right now on short-term certificates of deposit. The best CD rate available are on the 12-month CD at 5.40% APY, that rate is also much higher than the national average 12-month CD rate of 1.76% APY. The second-best CD rate available is on the 6-month CD at 5.20% APY and the third highest rate available is on the 24-month at 4.75% APY. There is no minimum opening deposit for any CD accounts at BMO Alto.

It's so groundbreaking it's almost suspicious. Who in their right mind would miss out on such an opportunity? For a paltry minimum deposit of just $0, that's right zero dollars, you get to hitch a ride on this financial roller coaster. But here's the catch—these jaw-dropping rates are as volatile as a cat on a hot tin roof. That means you should keep refreshing the BMO Alto website like it's a limited stock of PS5s on Black Friday.

Explore Other Rate Deals

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Consumer Financial Protection Bureau Takes Complaints on Deposit Accounts

The Consumer Financial Protection Bureau (CFPB), a new government consumer agency borne out of the financial crisis takes complaints on all types of bank accounts. The CFPB will take complaints on savings accounts, certificates of deposit (CDs), checking and related services.

Mortgage Rates Hit New Lows: 30 Year Mortgage Rates at 4.55%, 15 year Mortgage Rates at 3.91% – MBA