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BMO Bank Review - Is It Worth It? (2024)4 Year High Yield CD: % APY; 5 Year High Yield CD: % APY. Savings Calculator. See how your money can. In addition to its standard CDs, BMO Harris also has a Step Rate CD. 5 Year, %, %, % APY (as of 9/10/24). Compare BMO Harris Bank. Check out the latest GIC rates, features, terms, and plan eligibility to find the investment that works for you. Book an appointment or buy online today.