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Beat Inflation with BMO's Leading CD Rates A Smart Investor's Guide #SmartInvestingHeadquartered in Chicago, BMO (formerly known as BMO Harris) offers certificates of deposit (CDs) with a range of term options with rates up to %. The APYs. BMO CD Specials � 13 APY: % � 25 APY: % � 35 APY: % � 45 APY: % � 59 APY: %. Earn up to % Annual Percentage Yield (APY). Earn an exclusive introductory APY of up to % when you open a new Relationship Plus Money Market account.