What are the current interest rates at BMO Bank National Association?

Current rates for BMO Bank National Association include: 12-Month CD: 0.75%, 18-Month CD: 0.75%, 24-Month CD: 0.75%, 36-Month CD: 0.75%, 48-Month CD: 0.75%, 60-Month CD: 0.75%

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BMO Bank National Association Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BMO Bank National Association provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

BMO Bank National Association's top rate as of October 14, 2026 is 3.35% APY on its 59-Months 59-Month Certificate of Deposit (CD) Special, according to rates verified by MonitorBankRates. Other BMO Bank National Association CD rates include 45-Months 45-Month Certificate of Deposit (CD) Special at 3.25%, 35-Months 35-Month Certificate of Deposit (CD) Special at 3.15%, and 25-Months 25-Month Certificate of Deposit (CD) Special at 3.10%. MonitorBankRates evaluates the financial stability of BMO Bank National Association with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.54%. Rates last updated and verified on 10/14/2026.

BMO Bank National Association 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 Bank National Association? Share your experience about BMO Bank National Association by leaving a review below, or read customer reviews before you decide to use BMO Bank National Association.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.54%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

BMO Bank National Association

320 S Canal St
Chicago, IL 60606

https://www.bmo.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

BMO Bank National Association CD Rates

Product	Rate	APY	Term
59 Month Certificate of Deposit (CD) Special	-	3.35%	59 months
Min Deposit $1,000 Details Rates for ZIP code 60603; effective October 13, 2026; Open in minutes Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
45 Month Certificate of Deposit (CD) Special	-	3.25%	45 months
Min Deposit $1,000 Details Rates for ZIP code 60603; effective October 13, 2026; Open in minutes Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
35 Month Certificate of Deposit (CD) Special	-	3.15%	35 months
Min Deposit $1,000 Details Rates for ZIP code 60603; effective October 13, 2026; Open in minutes Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
25 Month Certificate of Deposit (CD) Special	-	3.10%	25 months
Min Deposit $1,000 Details Rates for ZIP code 60603; effective October 13, 2026; Open in minutes Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
13 Month Certificate of Deposit (CD) Special	-	3.00%	13 months
Min Deposit $1,000 Details Rates for ZIP code 60603; effective October 13, 2026; Open in minutes Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month IRA Certificate of Deposit	0.747%	0.75%	12 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month IRA Certificate of Deposit	0.747%	0.75%	12 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month IRA Certificate of Deposit	0.747%	0.75%	12 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month Standard CD	0.747%	0.75%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit	0.747%	0.75%	18 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit	0.747%	0.75%	18 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit	0.747%	0.75%	18 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
18 Month Standard CD	0.747%	0.75%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month IRA Certificate of Deposit	0.747%	0.75%	24 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month IRA Certificate of Deposit	0.747%	0.75%	24 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month IRA Certificate of Deposit	0.747%	0.75%	24 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month Standard CD	0.747%	0.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
30 Month IRA Certificate of Deposit	0.747%	0.75%	30 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
30 Month IRA Certificate of Deposit	0.747%	0.75%	30 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
30 Month IRA Certificate of Deposit	0.747%	0.75%	30 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
30 Month Standard CD	0.747%	0.75%	30 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month IRA Certificate of Deposit	0.747%	0.75%	36 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month IRA Certificate of Deposit	0.747%	0.75%	36 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month IRA Certificate of Deposit	0.747%	0.75%	36 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month Standard CD	0.747%	0.75%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit	0.747%	0.75%	48 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit	0.747%	0.75%	48 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit	0.747%	0.75%	48 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month Standard CD	0.747%	0.75%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month IRA Certificate of Deposit	0.747%	0.75%	60 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month IRA Certificate of Deposit	0.747%	0.75%	60 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month IRA Certificate of Deposit	0.747%	0.75%	60 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month Standard CD	0.747%	0.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
1 Month IRA Certificate of Deposit	0.05%	0.05%	1 month
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
2 Month IRA Certificate of Deposit	0.05%	0.05%	2 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit	0.05%	0.05%	3 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit	0.05%	0.05%	3 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit	0.05%	0.05%	3 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
3 Month Standard CD	0.05%	0.05%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month IRA Certificate of Deposit	0.05%	0.05%	6 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month IRA Certificate of Deposit	0.05%	0.05%	6 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month IRA Certificate of Deposit	0.05%	0.05%	6 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month Standard CD	0.05%	0.05%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month IRA Certificate of Deposit	0.05%	0.05%	9 months
Min Balance $1,000 Details Minimum Balance To Obtain APY: $1,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month IRA Certificate of Deposit	0.05%	0.05%	9 months
Min Balance $5,000 Details Minimum Balance To Obtain APY: $5,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month IRA Certificate of Deposit	0.05%	0.05%	9 months
Min Balance $100,000 Details Minimum Balance To Obtain APY: $100,000; rates based on zip code Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month Standard CD	0.05%	0.05%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: up to $100,000.00; Rates for ZIP code 60603 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

BMO Bank National Association Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Variable Rate HELOC	-	-	7.59%
Details As Low As; Line amount: $100,000; Rate shown as Prime + 0.59%; Draw period 120 months; Repayment period 240 months Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 7.79% → 7.59% ▼ 0.20 pts · high 7.79% / low 7.59% Oct 10, 20267.59%▼ from 7.79% Sep 30, 20267.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Variable Rate HELOC	-	-	7.59%
Details As Low As; HELOC amount: $100,000; Prime + 0.59%; First lien; Illinois; Monthly interest only payment: $642.87 Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 7.79% → 7.59% ▼ 0.20 pts · high 7.79% / low 7.59% Oct 10, 20267.59%▼ from 7.79% Oct 6, 20267.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity Line of Credit (HELOC)	-	-	7.69%
Details As Low As; Variable introductory rate of 5.49% APR for 6 months, with as low as 7.69% APR thereafter; variable rate tied to WSJ Prime; Limited time offer for applications received 8/3/2026 through 11/2/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity Fixed Rate HELOC	-	-	7.73%	20 years
Details As Low As; Fixed APR for $100,000 line amount; Repayment term: 20 years; Initial withdrawal $100,000; Line balance $100,000; Auto Pay discount 0.25%; Sample; LTV 70% or less; First lien; Property location Illinois Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.73% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity Fixed Rate Lock Option HELOC	-	-	7.73%
Details As Low As; Line amount: $100,000; Fixed rate lock option Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.73% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity Variable Rate HELOC	-	-	8.19%
Details As Low As; Line amount: $50,000; Rate shown as Prime + 1.19%; Draw period 120 months; Repayment period 240 months Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 8.39% → 8.19% ▼ 0.20 pts · high 8.39% / low 8.19% Oct 10, 20268.19%▼ from 8.39% Sep 30, 20268.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Variable Rate HELOC	-	-	8.19%
Details As Low As; HELOC amount: $50,000; Prime + 1.19%; First lien; Illinois; Monthly interest only payment: $346.84 Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 8.39% → 8.19% ▼ 0.20 pts · high 8.39% / low 8.19% Oct 10, 20268.19%▼ from 8.39% Oct 6, 20268.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity Fixed Rate HELOC	-	-	8.43%
Details As Low As; HELOC amount: $50,000; Illinois; Fixed rate lock option; Repayment term selectable 5, 10, 15 or 20 years Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity HELOC Fixed Rate Lock Option	-	-	8.43%	20 years
Details As Low As; Fixed annual percentage rate (APR) as low as 8.43%; Repayment term 20 years; Line amount $50,000; Initial withdrawal $50,000; Line balance $50,000; Auto Pay from eligible checking account discount 0.25%; Sample; Loan to value 70% or less; First lien; Property location Illinois Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity Variable Rate HELOC	-	-	9.33%
Details As Low As; Line amount: $25,000; Rate shown as Prime + 2.33%; Draw period 120 months; Repayment period 240 months Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 9.53% → 9.33% ▼ 0.20 pts · high 9.53% / low 9.33% Oct 10, 20269.33%▼ from 9.53% Sep 30, 20269.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Variable Rate HELOC	-	-	9.33%
Details As Low As; HELOC amount: $25,000; Prime + 2.33%; First lien; Illinois; Monthly interest only payment: $197.56 Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 9.53% → 9.33% ▼ 0.20 pts · high 9.53% / low 9.33% Oct 10, 20269.33%▼ from 9.53% Oct 6, 20269.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity Fixed Rate HELOC	-	-	9.57%
Details As Low As; HELOC amount: $25,000; Illinois; Fixed rate lock option; Repayment term selectable 5, 10, 15 or 20 years Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Home Equity HELOC Fixed Rate Lock Option	-	-	9.57%	20 years
Details As Low As; Fixed annual percentage rate (APR) as low as 9.57%; Line amount $25,000; Initial withdrawal at account opening $25,000; Line balance $25,000; Includes Auto Pay from eligible checking account discount 0.25%; Sample; Loan to value 70% or less; First lien; Property location Illinois Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

BMO Bank National Association’s Texas Ratio fell from 4.40% in Q3 2023 to 3.54% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$255.0B	3.54%	5.0	A+
March 31, 2026	$252.0B	3.72%	5.0	A+
December 31, 2025	$252.1B	3.97%	5.0	A+
September 30, 2025	$249.3B	4.24%	5.0	A+
June 30, 2025	$253.7B	5.02%	5.0	A+
March 31, 2025	$257.0B	5.65%	5.0	A+
December 31, 2024	$263.7B	5.51%	5.0	A+
September 30, 2024	$264.3B	4.15%	5.0	A+
June 30, 2024	$262.0B	5.09%	5.0	A+
March 31, 2024	$264.6B	5.15%	5.0	A+
December 31, 2023	$265.7B	4.29%	5.0	A+
September 30, 2023	$260.9B	4.40%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for BMO Bank National Association is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BMO Bank National Association rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BMO Bank National Association's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name LA Healthcare Federal Credit Union

Website https://www.bmo.com

Address 320 S Canal St, Chicago, IL 60606 · Cook

Bank Holding Company BANK OF MONTREAL

FDIC Certificate # 16571

Regulator OCC

Established May 17, 1947

FDIC Insurance Date May 17, 1947

Domestic Offices 988

Total Branches 987

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.54%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.1458%

Return on Equity (ROE)

0.9900%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

$254,972,746,000

Total Deposits

$194,140,429,000

Equity Capital

$36,438,373,000

Net Income

$184,424,000

Headquarters

Chicago

Total Branches and Offices

988

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

BMO Bank National Association earned the Verified Healthy badge

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Frequently Asked Questions About BMO Bank National Association

How many branches does BMO Bank National Association operate?

BMO Bank National Association currently maintains approximately 987 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, BMO Bank National Association does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BMO Bank National Association provides members with tools to manage their accounts and build a solid financial history.

Does BMO Bank National Association offer online and mobile banking?

Most modern institutions like BMO Bank National Association provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bmo.com.