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The HIGHEST Interest Rate Savings AccountI opened the BMO Savings account because they are advertising % interest. It's been open for two weeks; however when I attempt to withdraw. Rate History for BMO Alto's Savings Account. BMO Alto's Online Savings account earns % APY, which is steady from the rate at the same time last week. Over. BMO Alto's high-yield CDs offer APYs from % to % and terms ranging from six months to five years, and there are no minimum deposit.