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

Today's 12-month CD rates can be found at 2.53%, 6-month CD rates at 2.00% and 3-month CD rates at 4.00%. Current savings rates are at 1.00% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 6.03%. Credit Card rates are at 15.35%. Personal Loan rates are at 11.50%. 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%

2.56%

18-Month CD

N/A

2.29%

24-Month CD

3.50%

2.29%

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

1.04%

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

GTE Financial Credit Union

60-Month CD (Jumbo)

4.33%

$100,000

Merrick Bank

48-Month CD

4.10%

$25,000

Profinium, Inc.

6-Month CD

4.05%

$500

Spring Valley City Bank

12-Month CD

4.01%

$1,000

First Federal S&L Newark, OH

24-Month CD

3.85%

$50

First Internet Bank of Indiana

48-Month CD

3.60%

$1,000

First State Bank Nebraska

12-Month CD

3.60%

$5,000

Home Bank of California

18-Month CD

3.57%

$10,000

Acme Continental Credit Union

18-Month CD

3.56%

$1,000

Central State Bank State Center, IA

24-Month CD

3.53%

$1,500

First National Bank in Olney

3-Month CD

3.40%

$500

Avidia Bank

18-Month CD

3.30%

$1,000

KodaBank

12-Month CD

3.30%

$1,000

Coffee County Bank

12-Month CD

3.25%

$1,000

Community Bank of Cameron

18-Month CD

3.03%

$1,000

Citizens Federal Savings Bank

60-Month CD

3.00%

$500

Bank of Wolcott

60-Month CD

2.75%

$5,000

USLA Union S&L

48-Month CD

2.50%

$1,000

KeySavings Bank

30-Month CD

2.27%

$500

Lake-Osceola State Bank

18-Month CD

2.27%

$500

State Bank of Cherry

18-Month CD

2.27%

$1,000

Fayetteville Bank

36-Month CD

2.25%

$1,000

Jovia Federal Credit Union

24-Month CD

2.00%

$100

Northfield Bank

12-Month CD

1.25%

$2,500

Iowa Falls State Bank

Super Saver Savings

1.00%

$1,000

Glen Burnie MSB

24-Month CD

1.00%

$500

Savings Bank of Danbury

48-Month CD

0.61%

$500

Magnolia Bank Elizabethtown, KY

60-Month CD

0.60%

$500

Eclipse Bank

48-Month CD

0.60%

$1,000

Napoleon State Bank

48-Month CD

0.55%

$500

State Bank Fenton, MI

Prosperity Money Market

0.55%

$2,500

Thumb Bank and Trust

24-Month CD

0.55%

$500

FirstBank of Nebraska

Savings

0.50%

$25

Maspeth Federal S&L

Money Market

0.50%

$2,500

PyraMax Bank

48-Month CD

0.50%

$1,000

F&M Bank & Trust Burlington, IA

48-Month CD

0.50%

$500

FNB of Nevada, Missouri

12-Month CD

0.45%

$1,000

Kennebunk Savings Bank

36-Month CD

0.40%

$500

Miami Savings Bank

24-Month CD

0.30%

$1,000

Institution for Savings

Diamond Savings

0.25%

Sandy Spring Bank

Regular Savings

0.25%

$25

United Orient Bank

Passbook Savings

0.20%

$100

First Federal S&L of Lorain

12-Month CD

0.10%

$250

Schuyler Savings Bank

Money Market Passbook

0.10%

$1,000

Friendship State Bank

Money Market Advantage

0.10%

BluPeak Credit Union

Regular Savings

0.05%

Community Bank of Raymore

36-Month CD

0.05%

$500

cfsbank

Regular Checking

0.05%

$100

The Bank of Tioga

Money Market

0.03%

$2,500

Citizens Bank Mukwonago, WI

Advantage Savings

0.03%

$100

Disclaimer

Mortgage Rates March 20, 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

FNBO Direct CD Rates

FNBO Direct is currently offering the following Certificate of Deposit (CD) rates. The CD will automatically be renewed at maturity with the same term and the current rate. The CD application can be filled out online in about 5 minutes. The CD is FDIC insured. To qualify you must be a U.S resident and be at least 18 years old.

Northeast Bank Pearl Money Market Account Rate at 1.10 Percent

Northeast Bank, headquartered in Lewiston, Maine, is offering one of the best money market rates available right now. The top MMA rate at 1.09 percent with a yield of 1.10 percent is on the Northeast Bank's Pearl Money Market Account. The rate is available for both personal and business accounts for customers that are new to Northeast Bank.

Saving on Health Care Costs

Health care costs are still going up considerably even though the inflation rate is low these days. The cost of health care insurance is also rising for both employees and employers.