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BMO Alto High Yield Savings Account: Is It Worth It? - Review (2024)BMO Alto CD Rates � 1 Year High Yield CD: % APY � 2 Year High Yield CD: % APY � 3 Year High Yield CD: % APY � 4 Year High Yield CD: Certificates of deposit (CDs): BMO Alto offers multiple CDs with terms ranging from six months to five years and APYs as high as %. Unlike. BMO Alto: % APY. Andrews Federal Credit Union: % APY. Live Oak Bank: % APY. TAB Bank: % APY. Alliant Credit Union: % APY. Citizens: %.