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?? BMO CD Accounts Review: Pros and Cons for Savvy InvestorsBMO offers ten certificates of deposit (CD) terms, ranging from three months to 60 months. The North American bank's standard CD rates are low. BMO CD rates ; 9 months, % � %* ; 12 months, % � %* ; 13 months, % ; 18 months, % � %* ; 24 months, % � %*. BMO CD Specials � 13 APY: % � 25 APY: % � 35 APY: % � 45 APY: % � 59 APY: %.