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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

Tax-Free Savings Account (TFSA) Rates

TFSA Savings Account

(minimum investment $50)

Amount Interest Rates
Up to $5,500.00* %
Over $5,500.00* %

* = Paid on the portion of the balance within each tier.

Rates are calculated on a per annum basis. Rates are subject to change without notice.

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 % % %

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

(minimum investment $1,000)

Term $1,000 -
$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 Redeemable Short Term Investment Certificate

(minimum investment $1,000)

Term $1,000 -
$24,999
$25,000 -
$99,999
$100,000 -
$249,999
$250,000 -
$499,999
$500,000 -
$999,999
364 days % % % % %

Rates and conditions subject to change without notice.
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