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BMO ALTO High Yield Savings Account Review - Is It Worth It? (2024)CDs are available in six fixed terms, from six months to 60 months, with interest paid monthly. The month term currently pays an APY of %, and a penalty. BMO Alto CD Rates � 1 Year High Yield CD: % APY � 2 Year High Yield CD: % APY � 3 Year High Yield CD: % APY � 4 Year High Yield CD: Grow your savings with our high-yield online-only CD s. No minimum balance. $0 minimum opening deposit. 6 available fixed terms (6 months to 60 months).