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I OPENED 3 CD Accounts and Here is my Review! (up to 5.40% APY!)BMO Alto CDs � Annual Percentage Yield (APY). From % to % APY � Terms. From 6 months to 60 months � Minimum deposit. None � Monthly fee. Open a Standard CD Today! ; 9 months, %, % ; 12 months, %, % ; 18 months, %, % ; 24 months, %, %. Certificates of deposit (CDs): BMO Alto offers multiple CDs with terms ranging from six months to five years and APYs as high as %. Unlike.