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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

Registered Retirement Savings Plan (RRSP) Rates

BMO RRSP Premium Rate Savings Account


Amount Interest Rates
Under $5,000 %
$5,000 and over %

BMO Guaranteed Investment Certificate (GIC)

(minimum investment $1,000)

Term Annual Compound /
Annual Pay Interest Payment Options
3 months %
6 - 8 months %
9 - 12 months %
12 - under 16 months %
16 - under 18 months %
18 - under 19 months %
19 - under 24 months %
24 - under 30 months %
30 - under 36 months %
36 - under 42 months %
42 - under 48 months %
48 - under 51 months %
51 - under 60 months %
60 - under 72 months %
72 - under 84 months %
84 months exactly %

Annual Pay Interest Payment Option is NOT available with terms less than 12 months.

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 - - %
5th 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 - %
5th Year - %
Annual Compound Equivalent % %

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 Short Term Investment Certificate (STIC) held in combination with Progressive GICs


Term $1,000+
30 - 89 days %

BMO Term Deposit Receipt

(minimum investment $1,000)

Term Annual Compound Interest
Payment Options
12 - under 15 months %
15 - under 18 months %
18 - under 24 months %
24 - under 30 months %
30 - under 36 months %
36 - under 39 months %
39 - under 48 months %
48 - under 51 months %
51 - under 60 months %
60 months 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
0.10%, on amounts withdrawn on or after the first anniversary and before the second anniversary of the Issue Date
0.20%, on amounts withdrawn on or after the second anniversary and before the third anniversary of the Issue Date
0.30%, on amounts withdrawn on or after the third anniversary and before the fourth anniversary of the Issue Date
0.40%, on amounts withdrawn on or after the fourth anniversary of the Issue Date and before the Maturity Date

Rates subject to change without notice.
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