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Guaranteed Investment Certificate (GIC) and Term Deposit Rates
BMO Guaranteed Investment Certificate (GIC)
(minimum investment $1,000)
| Annual / Annual Compound Interest Payment Option |
$1,000 - $99,999 |
$100,000 - $249,999 |
$250,000 - $999,999 |
|---|---|---|---|
| 1 year - under 18 months | % | % | % |
| 18 months - under 19 months | % | % | % |
| 19 months - under 2 years | % | % | % |
| 2 years - under 3 years | % | % | % |
| 3 years - under 4 years | % | % | % |
| 4 years - under 5 years | % | % | % |
| 5 years - under 6 years | % | % | % |
| 6 years - under 7 years | % | % | % |
| 7 years exactly | % | % | % |
| 10 years exactly | % | % | % |
| Monthly / Semi - Annual Interest Payment Option |
$1,000 - $99,999 |
$100,000 - $249,999 |
$250,000 - $999,999 |
|---|---|---|---|
| 1 year - under 18 months | % | % | % |
| 18 months - under 19 months | % | % | % |
| 19 months - under 2 years | % | % | % |
| 2 years - under 3 years | % | % | % |
| 3 years - under 4 years | % | % | % |
| 4 years - under 5 years | % | % | % |
| 5 years - under 6 years | % | % | % |
| 6 years - under 7 years | % | % | % |
| 7 years exactly | % | % | % |
| 10 years exactly | % | % | % |
If monthly interest payment options chosen, then minimum investment amount required is $5,000.
BMO Cashable RateRiser® GIC
(minimum investment $1,000)
| Years of Investment | 3 Year |
|---|---|
| 1st Year | % |
| 2nd Year | % |
| 3rd Year | % |
| Annual Compound Equivalent | % |
BMO RateRiser® Plus GIC
(minimum investment $1,000)
| Years of Investment | 2 Year | 3 Year | 5 Year |
|---|---|---|---|
| 1st Year | % | % | % |
| 2nd Year | % | % | % |
| 3rd Year | - | % | % |
| 4th Year | - | - | % |
| 5thrd Year | - | - | % |
| Annual Compound Equivalent | % | % | % |
BMO RateRiser® Max GIC
(minimum investment $1,000)
| Years of Investment | 3 Year | 5 Year |
|---|---|---|
| 1st Year | % | % |
| 2nd Year | % | % |
| 3rd Year | % | % |
| 4th Year | - | % |
| 5thrd Year | - | % |
| Annual Compound Equivalent | % | % |
BMO Short Term Investment Certificate
| Term | $5,000 - $24,999 |
$25,000 - $99,999 |
$100,000 - $249,999 |
$250,000 - $499,999 |
$500,000 - $999,999 |
|---|---|---|---|---|---|
| 30 - 59 days | % | % | % | % | % |
| 60 - 89 days | % | % | % | % | % |
| 90 - 119 days | % | % | % | % | % |
| 120 - 149 days | % | % | % | % | % |
| 150 - 179 days | % | % | % | % | % |
| 180 - 269 days | % | % | % | % | % |
| 270 - 359 days | % | % | % | % | % |
BMO Short Term Investment Certificate (STIC) held in combination with Progressive GICs
| Term | $1,000+ |
|---|---|
| 30 - 89 days | % |
BMO Redeemable Short Term Investment Certificate
| Term | $1,000 - $24,999 |
$25,000 - $99,999 |
$100,000 - $249,999 |
$250,000 - $499,999 |
$500,000 - $999,999 |
|---|---|---|---|---|---|
| 364 days | % | % | % | % | % |
BMO RateOptimizer® Plus GIC
(Minimum investment $1,000)
| Interest Payment Option | Years of Investment | Initial Rate | Renewal Rate |
|---|---|---|---|
| Annual Compound | 5 years | % | % |
| Annual Pay | 5 years | % | % |
| Monthly Pay | 5 years | % | % |
During the first year of the investment, the return is based on the “Initial Rate”.
In each subsequent year, the return on the investment is based on a “Blended Rate” . The Blended rate is derived from blending the five-year “Renewal Rate” in effect at the anniversary date with the existing rate of the investment.
BMO RateOptimizer® Max GIC
(Minimum investment $1,000)
| Interest Payment Option | Years of Investment | Initial Rate | Renewal Rate |
|---|---|---|---|
| Annual Compound | 5 years | % | % |
| Annual Pay | 5 years | % | % |
| Monthly Pay | 5 years | % | % |
During the first year of the investment, the return is based on the “Initial Rate”.
In each subsequent year, the return on the investment is based on a “Blended Rate” . The Blended rate is derived from blending the five-year “Renewal Rate” in effect at the anniversary date with the existing rate of the investment.
BMO AIR MILES®† GIC
| Term | $5,000 - $24,999 |
$25,000 - $99,999 |
$100,000 - $249,999 |
$250,000 - $499,999 |
$500,000 - $999,999 |
|---|---|---|---|---|---|
| 364 days | % | % | % | % | % |
BMO Variable Rate GIC
| Term | $5,000 - $49,999 |
$50,000 - $99,999 |
$100,000 - $249,999 |
$250,000 - $999,999 |
$1,000,000 - $10,000,999 |
|---|---|---|---|---|---|
| 364 days | % | % | % | % | % |
BMO Term Deposit Receipt
(minimum investment $1,000)
| Term | $1,000 - $10,000 |
$10,001- $20,000 |
$20,001 - $30,000 |
$30,001 - $100,000 |
$100,001 - $999,999 |
|---|---|---|---|---|---|
| 1 - 7 days | - | - | - | - | % |
| 8 - 15 days | - | - | - | - | % |
| 16 - 22 days | - | - | - | - | % |
| 23 - 29 days | - | - | - | - | % |
| 30 - 59 days | - | % | % | % | % |
| 60 - 89 days | - | % | % | % | % |
| 90 - 119 days | - | % | % | % | % |
| 120 - 179 days | - | % | % | % | % |
| 180 - 269 days | - | % | % | % | % |
| 270 days - under 1 year | - | % | % | % | % |
| 1 year - under 2 years | % | % | % | % | % |
| 2 years - under 3 years | % | % | % | % | % |
| 3 years - under 4 years | % | % | % | % | % |
| 4 years - under 5 years | % | % | % | % | % |
| 5 years exactly | % | % | % | % | % |
Redemptions permitted anytime with interest paid after 30 days.
0.00%, on amounts withdrawn after 30 days and before the first anniversary of the Issue Date
0.25%, on amounts withdrawn on or after the first anniversary and before the second anniversary of the Issue Date
0.40%, on amounts withdrawn on or after the second anniversary and before the third anniversary of the Issue Date
0.60 %, on amounts withdrawn on or after the third anniversary and before the fourth anniversary of the Issue Date
0.85 %, on amounts withdrawn on or after the fourth anniversary of the Issue Date and before the Maturity Date
0.00%, on amounts withdrawn after 30 days and before the first anniversary of the Issue Date
0.25%, on amounts withdrawn on or after the first anniversary and before the second anniversary of the Issue Date
0.40%, on amounts withdrawn on or after the second anniversary and before the third anniversary of the Issue Date
0.60 %, on amounts withdrawn on or after the third anniversary and before the fourth anniversary of the Issue Date
0.85 %, on amounts withdrawn on or after the fourth anniversary of the Issue Date and before the Maturity Date
BMO US Dollar Term Deposit Receipt
| Term | $1,000 - $24,999 |
$25,000 - $99,999 |
$100,000 - $499,999 |
|---|---|---|---|
| 30 - 59 days | % | % | % |
| 60 - 89 days | % | % | % |
| 90 - 119 days | % | % | % |
| 120 - 179 days | % | % | % |
| 180 - 269 days | % | % | % |
| 270 days - under 1 year | % | % | % |
| 1 year - under 2 years | % | % | % |
| 2 years - under 3 years | % | % | % |
| 3 years - under 4 years | % | % | % |
| 4 years - under 5 years | % | % | % |
| 5 years exactly | % | % | % |
US Dollar Fixed Term Deposits for amounts $100,000 to $499,999 are not eligible for early redemption.
BMO US Dollar Redeemable Short Term Investment
(Minimum investment $5,000)
| Term | Interest Rate |
|---|---|
| 364 days | % |
Rates and conditions subject to change without notice.
