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Secret Wealth Creation Tips - CD LaddersSpecial CD terms range from 13 to 59 months with an APY as high as %. Overview of BMO Bank CDs. BMO Bank CDs allow individuals to earn a. BMO Smart Advantage Checking Account ; 13 Months. %. $1, ; 25 Months. %. $1, ; 35 Months. %. $1, ; 45 Months. %. $1, Month CD ; 18 Month, %, % ; 24 Month, %, % ; 30 Month, %, % ; 36 Month, %, % ; 48 Month, %, %.