BMO

https://www.bmo.com/en-us/main/personal/checking-accounts/digital-offer/?COID=BMOP-07202I-U9H3N57

The large regional bank, BMO Harris (BMO), has been offering competitive online savings account and CD rates in the last few months.

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.