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BMO Alto High Yield Savings Account: Is It Worth It? - Review (2024)BMO Alto rates (APY) as of include: Online Savings @ % (no change) 6-month CD @ % (no change) month CD @ % (no change) month CD @ 4. BMO Alto Online Savings is a variable rate account and interest rates and APYs may change at any time. BMO Alto Savings Rate. Current Rate: % APY (last checked on Jul 23, ). Minimum Deposit: $1. November 7, , am ET.