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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

Current GIC Auto-Renewal Rates

Guaranteed Investment Certificate (GIC) and Term Deposits
BMO Guaranteed Investment Certificate (GIC)


Annual/Annual Compound
Interest Payment Option
Auto-renewal Rate
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
Auto-renewal Rate
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 %


Registered Retirement Savings Plan (RRSP)
BMO RIF Guaranteed Investment Certificate


Annual Compound/Annual Pay
Interest Payment Option
Auto-renewal Rate
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 %


Registered Retirement Income Fund (RRIF)
BMO Guaranteed Investment Certificate (GIC)


Annual Compound
Interest
Auto-renewal Rate
12 – 17 months %
18 – 23 months %
24 – 35 months %
36 – 47 months %
48 – 59 months %
60 – 71 months %
72 – 83 months %
84 months exactly %
85 – 119 months %
120 – 179 months %
180 – 240 months %


Registered Education Savings Plan (RESP)


Annual/Annual Compound
Interest Payment Option
Auto-renewal Rate
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 %


Registered Disability Savings Plan (RDSP)


Annual/Annual Compound
Interest Payment Option
Auto-renewal Rate
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 %


Tax-Free Savings Account (TFSA)


Annual/Annual Compound
Interest Payment Option
Auto-renewal Rate
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 %