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BMO Alto High Yield Account Review - Full guide (2024)BMO Alto offers a high-yield savings account and six CDs with APY rates above the national average. Savings accounts, % APY. CDs, %�% APY. With its competitive rates and no fees, the BMO Alto CDs are a great option if you're looking to lock away your funds and secure a high rate. BMO Alto does not charge any fees or have minimum balance requirements. � Rates for both the online savings and CD accounts are competitive. � CDs do not have a.