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BMO Alto High Yield Savings Account: Is It Worth It? - Review (2024)The bank offers numerous "special CD terms," which have some of the biggest long-term CD rates we've seen. The terms are unusual for CDs -- like. BMO Special CDs and BMO Alto CDs offer great interest rates, while BMO Standard CD rates are low overall. BMO Alto's 1-year CD ranks among the best CD accounts available today and offers one of the highest rates on the market. BMO Alto fees. BMO.