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Best Savings Accounts, CDs, and Money Market Funds of 2024!BMO Smart Advantage Checking Account ; 24 Months. %. $1, ; 30 Months. %. $1, ; 36 Months. %. $1, ; 48 Months. %. $1, The rates offered on BMO Standard CDs are quite paltry, earning anywhere from % to % APY, far below the national average. Investors can earn a higher. Month CD ; 18 Month, %, % ; 24 Month, %, % ; 30 Month, %, % ; 36 Month, %, % ; 48 Month, %, %.