BMO Harris Bank

Special CD Rates (looks like good nationwide but check your zip first) 13 mo 4.00% 25 mo 4.10% 35 mo 4.30% 45 mo 4.40% 59 mo 4.50% Only good outside Illinois and maybe other states where BMO has branches (check zip code at https://www.bmoharris.com/main/personal/savings-and-cds/certificates-of-deposit/ ) . 12 month - 60 month all at 4.50% EWP ranges from 180 days - 545 days (very high) Their redemption/maturity process is manual and requires depositor to call them and request a physical check be mailed to their address on file. No scheduling or ACH payments out. They will mail a separate check for each CD redeemed. Good rates from an old brick and mortar Money Center bank aside from the above observations. hat tip to JamesStewart for posting on the 59 month 4.5% on Dec 12th in an old thread.

As one of the top 25 largest banks in the U.S., this is a big move. https://www.bmoharris.com/main/personal/onlinesavingsaccount/ Product disclosure https://www.bmoharris.com/pdf/disclosures/BMO_Harris_Online_Savings_reg_dd.pdf

RBC Wealth Management - BMO Harris Bank CDs to yield 4.00% BMO HARRIS BANK CDs 4.00% due 7/06/29 FDIC Insured to Limits ($250K per account title) Callable beginning 1/06/23; then anytime thereafter @ 100 Semi-annual Interest Price = 100.00 to yield 4.00% to the call and 4.00% to maturity