BMO Bank of Montreal


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Home > Rates > RRSPs

Prime Rate 2.250%
as of
November 21, 2009.

Registered Retirement Savings Plan (RRSP) Rates

November 21, 2009

BMO RRSP Premium Rate Savings Account

Amount	Interest Rates
Under $5,000	0.250%
$5,000 and over	0.250%

BMO Guaranteed Investment Certificate (GIC)
(minimum investment $1,000)

Term	Annual Compound / Annual Pay Interest Payment Options
3 months	0.150%
6 - 8 months	0.200%
9 - 12 months	0.200%
12 - under 16 months	0.400%
16 - under 18 months	0.750%
18 - under 19 months	0.400%
19 - under 24 months	0.400%
24 - under 30 months	1.300%
30 - under 36 months	1.300%
36 - under 42 months	1.600%
42 - under 48 months	1.600%
48 - under 51 months	1.700%
51 - under 60 months	1.700%
60 - under 72 months	2.100%
72 - under 84 months	2.100%
84 months exactly	2.100%

Annual Pay Interest Payment Option is NOT available with terms less than 12 months.

BMO Cashable RateRiser® GIC
(minimum investment $1,000)

Years of Investment	3 Year
1^st Year	1.000%
2^nd Year	1.100%
3^rd Year	1.250%
Annual Compound Equivalent	1.117%

BMO RateRiser® Plus GIC
(minimum investment $1,000)

Years of Investment	2 Year	3 Year	5 Year
1^st Year	1.000%	1.000%	1.000%
2^nd Year	1.400%	1.400%	1.400%
3^rd Year	-	1.800%	1.800%
4^th Year	-	-	2.000%
5^th Year	-	-	3.750%
Annual Compound Equivalent	1.200%	1.399%	1.986%

BMO RateRiser® Max GIC
(minimum investment $1,000)

Years of Investment	3 Year	5 Year
1^st Year	1.100%	1.100%
2^nd Year	1.500%	1.500%
3^rd Year	4.000%	2.250%
4^th Year	-	3.500%
5^th Year	-	6.500%
Annual Compound Equivalent	2.192%	2.952%

BMO RateOptimizer® Plus GIC
(Minimum investment $1,000)

Interest Payment Option	Years of Investment	Initial Rate	Renewal Rate
Annual Compound	5 years	2.650%	2.650%
Annual Pay	5 years	2.650%	2.650%
Monthly Pay	5 years	2.650%	2.650%

During the first year of the investment, the return is based on the “Initial Rate”.
In each subsequent year, the return on the investment is based on a “Blended Rate” . The Blended rate is derived from blending the five-year “Renewal Rate” in effect at the anniversary date with the existing rate of the investment.

BMO RateOptimizer® Max GIC
(Minimum investment $1,000)

Interest Payment Option	Years of Investment	Initial Rate	Renewal Rate
Annual Compound	5 years	2.750%	2.750%
Annual Pay	5 years	2.750%	2.750%
Monthly Pay	5 years	2.750%	2.750%

BMO Short Term Investment Certificate (STIC) held in combination with Progressive GICs

Term	$1,000+
30 - 89 days	0.200%

BMO Term Deposit Receipt
(minimum investment $1,000)

Term	Annual Compound Interest Payment Options
12 - under 15 months	0.200%
15 - under 18 months	0.200%
18 - under 24 months	0.200%
24 - under 30 months	1.050%
30 - under 36 months	1.050%
36 - under 39 months	1.350%
39 - under 48 months	1.350%
48 - under 51 months	1.450%
51 - under 60 months	1.450%
60 months exactly	1.850%

Redemptions permitted anytime with interest paid after 30 days at predetermined rates.

Rates subject to change without notice.


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