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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.
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.
