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Bond Fund Vs GICsCompetitive rate: BMO Bank's highest-yielding CD offers a rate of %, which can help your savings compound. � Flexible terms: You can get CD terms from BMO. Month CD ; 12 Month, %, % ; 18 Month, %, % ; 24 Month, %, % ; 30 Month, %, % ; 36 Month, %, %. 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.