Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
BMO Alto Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
BMO Alto's 12-Month Standard CD rates are at 0.75%, 18-Month Standard CD rates are at 0.75%, 24-Month Standard CD rates are at 0.75%, 30-Month Standard CD rates are at 0.75%, 36-Month Standard CD rates are at 0.75%. BMO Alto's checking rates are as high as 0.01%. BMO Alto's top CD rate of 3.35% APY on a 59 month CD is 15% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of BMO Alto with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 11/05/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
BMO Alto has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.00%
PerfectLower than avg
BMO Alto Texas Ratio
BMO Alto's Texas Ratio is 0.00%, which is considered perfect and is lower than the national average of 5.85%.
A 0.00% ratio is the best possible score. BMO Alto currently has zero non-performing assets or foreclosed properties on its books.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.00% to 0.00% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Alto CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD Special - 59 Mo
-
3.35%
59 months
$1,000
Min Deposit$1,000
DetailsRates for ZIP code: 60603; Open in minutes; Auto-renewal into a standard CD after maturity
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
CD Special - 45 Mo
-
3.25%
45 months
$1,000
Min Deposit$1,000
DetailsRates for ZIP code: 60603; Open in minutes; Auto-renewal into a standard CD after maturity
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
CD Special - 35 Mo
-
3.15%
35 months
$1,000
Min Deposit$1,000
DetailsRates for ZIP code: 60603; Open in minutes; Auto-renewal into a standard CD after maturity
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 3.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
CD Special - 25 Mo
-
3.10%
25 months
$1,000
Min Deposit$1,000
DetailsRates for ZIP code: 60603; Open in minutes; Auto-renewal into a standard CD after maturity
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 3.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
CD Special - 13 Mo
-
3.00%
13 months
$1,000
Min Deposit$1,000
DetailsRates for ZIP code: 60603; Open in minutes; Auto-renewal into a standard CD after maturity
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12-Month IRA CD
0.747%
0.75%
12 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12-Month IRA CD
0.747%
0.75%
12 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12-Month IRA CD
0.747%
0.75%
12 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12-Month Standard CD
-
0.75%
12 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18-Month IRA CD
0.747%
0.75%
18 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18-Month IRA CD
0.747%
0.75%
18 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18-Month IRA CD
0.747%
0.75%
18 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18-Month Standard CD
-
0.75%
18 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24-Month IRA CD
0.747%
0.75%
24 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24-Month IRA CD
0.747%
0.75%
24 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24-Month IRA CD
0.747%
0.75%
24 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24-Month Standard CD
-
0.75%
24 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30-Month IRA CD
0.747%
0.75%
30 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30-Month IRA CD
0.747%
0.75%
30 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30-Month IRA CD
0.747%
0.75%
30 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30-Month Standard CD
-
0.75%
30 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36-Month IRA CD
0.747%
0.75%
36 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36-Month IRA CD
0.747%
0.75%
36 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36-Month IRA CD
0.747%
0.75%
36 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36-Month Standard CD
-
0.75%
36 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48-Month IRA CD
0.747%
0.75%
48 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48-Month IRA CD
0.747%
0.75%
48 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48-Month IRA CD
0.747%
0.75%
48 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48-Month Standard CD
-
0.75%
48 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60-Month IRA CD
0.747%
0.75%
60 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60-Month IRA CD
0.747%
0.75%
60 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60-Month IRA CD
0.747%
0.75%
60 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60-Month Standard CD
-
0.75%
60 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
1-Month IRA CD
0.05%
0.05%
1 month
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
1-Month Standard CD
-
0.05%
1 month
$100,000
Min Deposit$100,000
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
2-Month IRA CD
0.05%
0.05%
2 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
2-Month Standard CD
-
0.05%
2 months
$100,000
Min Deposit$100,000
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 0.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3-Month IRA CD
0.05%
0.05%
3 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3-Month IRA CD
0.05%
0.05%
3 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3-Month IRA CD
0.05%
0.05%
3 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3-Month Standard CD
-
0.05%
3 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6-Month IRA CD
0.05%
0.05%
6 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6-Month IRA CD
0.05%
0.05%
6 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6-Month IRA CD
0.05%
0.05%
6 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6-Month Standard CD
-
0.05%
6 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
9-Month IRA CD
0.05%
0.05%
9 months
-
Min Balance$1,000
DetailsBalance: $1,000; Minimum Balance To Obtain APY: $1,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
9-Month IRA CD
0.05%
0.05%
9 months
-
Min Balance$5,000
DetailsBalance: $5,000; Minimum Balance To Obtain APY: $5,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
9-Month IRA CD
0.05%
0.05%
9 months
-
Min Balance$100,000
DetailsBalance: $100,000; Minimum Balance To Obtain APY: $100,000; Rate table is labeled as zip-code based
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
9-Month Standard CD
-
0.05%
9 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
BMO Alto Checking Rates
Product
Rate
APY
View More
Relationship Checking
0.01%
0.01%
Min Balance$0
DetailsBalance: $0.01 - $4,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Relationship Checking
0.01%
0.01%
Min Balance$5,000
DetailsBalance: $5,000.00 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Relationship Checking
0.01%
0.01%
Min Balance$10,000
DetailsBalance: $10,000.00 or more
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
BMO Alto Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity HELOC Variable Rate
-
-
7.44%
Details$100,000; As Low As; Line amount $100,000; Variable rate HELOC (Prime + 0.44%); first lien, LTV 70% or less, Illinois; rates shown are a general state average such as Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 26, 2026 · 7.59% → 7.44% ▼ 0.15 pts · high 7.59% / low 7.44%
Nov 5, 20267.44%▼ from 7.59%
Oct 26, 20267.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Variable Rate HELOC
-
-
7.44%
DetailsAs Low As; HELOC amount: $100,000; Prime + 0.44%; Illinois, First lien; Monthly interest only payment $630.16
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 7.59% → 7.44% ▼ 0.15 pts · high 7.59% / low 7.44%
Nov 5, 20267.44%▼ from 7.59%
Oct 7, 20267.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Fixed Rate Home Equity Line of Credit
-
-
7.58%
20 years
DetailsAs Low As; Fixed rate lock option; HELOC amount $100,000; Rates based on 20-year term in Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 7.73% → 7.58% ▼ 0.15 pts · high 7.73% / low 7.58%
Nov 5, 20267.58%▼ from 7.73%
Oct 7, 20267.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Fixed Rate HELOC
-
-
7.58%
20 years
DetailsAs Low As; Fixed annual percentage rate (APR) as low as 7.58%; Line amount $100,000; Repayment term 20 years; Includes discounts: Auto Pay from eligible checking account 0.25%, Initial draw discount 0.15%; Sample; Loan to value 70% or less; First lien; Property location Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 14, 2026 · 7.73% → 7.58% ▼ 0.15 pts · high 7.73% / low 7.58%
Nov 5, 20267.58%▼ from 7.73%
Oct 14, 20267.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity HELOC Fixed Rate Lock
-
-
7.58%
Details$100,000; As Low As; Line amount $100,000; Fixed rate lock option; first lien, LTV 70% or less, Illinois; rates shown are a general state average such as Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 26, 2026 · 7.73% → 7.58% ▼ 0.15 pts · high 7.73% / low 7.58%
Nov 5, 20267.58%▼ from 7.73%
Oct 26, 20267.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity HELOC Variable Rate
-
-
8.04%
Details$50,000; As Low As; Line amount $50,000; Variable rate HELOC (Prime + 1.04%); first lien, LTV 70% or less, Illinois; rates shown are a general state average such as Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 26, 2026 · 8.19% → 8.04% ▼ 0.15 pts · high 8.19% / low 8.04%
Nov 5, 20268.04%▼ from 8.19%
Oct 26, 20268.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Variable Rate HELOC
-
-
8.04%
DetailsAs Low As; HELOC amount: $50,000; Prime + 1.04%; Illinois, First lien; Monthly interest only payment $340.49
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 8.19% → 8.04% ▼ 0.15 pts · high 8.19% / low 8.04%
Nov 5, 20268.04%▼ from 8.19%
Oct 7, 20268.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Fixed Rate Home Equity Line of Credit
-
-
8.28%
20 years
DetailsAs Low As; Fixed rate lock option; HELOC amount $50,000; Rates based on 20-year term in Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 7.73% → 8.28% ▲ 0.55 pts · high 8.28% / low 7.73%
Nov 5, 20268.28%▲ from 7.73%
Oct 7, 20267.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity HELOC Fixed Rate Lock Option
-
-
8.28%
5-30 years
DetailsAs Low As; Sample assumptions: $50,000 line amount, $50,000 initial withdrawal and line balance, 20 year repayment term; Includes discounts of 0.25% for Auto Pay from eligible checking account and 0.15% initial draw discount; Loan to value 70% or less; First lien; Property location Illinois; Sample
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 8.28% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity HELOC Variable Rate
-
-
9.18%
Details$25,000; As Low As; Line amount $25,000; Variable rate HELOC (Prime + 2.18%); first lien, LTV 70% or less, Illinois; rates shown are a general state average such as Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 26, 2026 · 9.33% → 9.18% ▼ 0.15 pts · high 9.33% / low 9.18%
Nov 5, 20269.18%▼ from 9.33%
Oct 26, 20269.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Variable Rate HELOC
-
-
9.18%
DetailsAs Low As; HELOC amount: $25,000; Prime + 2.18%; Illinois, First lien; Monthly interest only payment $194.39
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 9.33% → 9.18% ▼ 0.15 pts · high 9.33% / low 9.18%
Nov 5, 20269.18%▼ from 9.33%
Oct 7, 20269.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Fixed Rate Home Equity Line of Credit
-
-
9.42%
20 years
DetailsAs Low As; Fixed rate lock option; HELOC amount $25,000; Rates based on 20-year term in Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 7.73% → 9.42% ▲ 1.69 pts · high 9.42% / low 7.73%
Nov 5, 20269.42%▲ from 7.73%
Oct 7, 20267.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity HELOC Fixed Rate Lock
-
-
9.42%
Details$25,000; As Low As; Line amount $25,000; Fixed rate lock option; first lien, LTV 70% or less, Illinois; rates shown are a general state average such as Illinois
Last Updated11/05/2026
Rate History
1 change since Oct 26, 2026 · 9.57% → 9.42% ▼ 0.15 pts · high 9.57% / low 9.42%
Nov 5, 20269.42%▼ from 9.57%
Oct 26, 20269.57%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Financial Health History
BMO Alto’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% 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
$8M
0.00%
5.0
A+
March 31, 2026
$8M
0.00%
5.0
A+
December 31, 2025
$8M
0.00%
5.0
A+
September 30, 2025
$8M
0.00%
5.0
A+
June 30, 2025
$8M
0.00%
5.0
A+
March 31, 2025
$8M
0.00%
5.0
A+
December 31, 2024
$8M
0.00%
5.0
A+
September 30, 2024
$8M
0.00%
5.0
A+
June 30, 2024
$8M
0.00%
5.0
A+
March 31, 2024
$8M
0.00%
5.0
A+
December 31, 2023
$8M
0.00%
5.0
A+
September 30, 2023
$8M
0.00%
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 Alto 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 Alto 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 Alto's official website for the most current offers and terms.
Address
110 E Irving Park Rd,
Roselle, IL 60172 · Dupage
Bank Holding CompanyBANK OF MONTREAL
FDIC Certificate #58216
RegulatorOCC
EstablishedMay 28, 2005
FDIC Insurance DateMay 28, 2005
Domestic Offices1
Total Branches1
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.5846%
Return on Equity (ROE)
0.6700%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
$8,216,000
Total Deposits
$1,000,000
Equity Capital
$7,186,000
Net Income
$24,000
Headquarters
Roselle
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
BMO Alto earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for BMO Alto
Frequently Asked Questions About BMO Alto
Does BMO Alto offer CDs?
Yes. BMO Alto current CD rates include its 12-Month Standard CD at 0.75% APY, its 18-Month Standard CD at 0.75% APY and its 24-Month Standard CD at 0.75% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from BMO Alto FDIC insured?
Yes. BMO Alto is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at BMO Alto?
The highest BMO Alto CD rate is its CD Special - 59 Mo at 3.35% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does BMO Alto offer?
BMO Alto CD rates are 0.75% APY for a 12 month CD, 0.75% APY for an 18 month CD, 0.75% APY for a 2 year CD, 0.75% APY for a 30 month CD, 0.75% APY for a 3 year CD, 0.75% APY for a 4 year CD and 0.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with BMO Alto for its full lineup.
What is the highest checking rate at BMO Alto?
The highest BMO Alto checking rate is its Relationship Checking at 0.01% APY, verified by MonitorBankRates as of November 5, 2026.
How many branches does BMO Alto operate?
BMO Alto currently maintains approximately 1 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 Alto 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 Alto provides members with tools to manage their accounts and build a solid financial history.
Does BMO Alto offer online and mobile banking?
Most modern institutions like BMO Alto 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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do BMO Alto rates compare?
BMO Alto's top CD rate of 3.35% APY on a 59 month CD is 15% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. BMO Alto's top rates are its 59-Months CD Special - 59 Mo at 3.35% APY and its Relationship Checking at 0.01% APY, verified by MonitorBankRates on November 5, 2026.
Current BMO Alto Rates
12-Month CD0.75%
18-Month CD0.75%
24-Month CD0.75%
36-Month CD0.75%
48-Month CD0.75%
60-Month CD0.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
