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Smart Treasury Moves for Liquidity ManagementBMO Smart Advantage Checking Account ; 30 Months. %. $1, ; 36 Months. %. $1, ; 48 Months. %. $1, ; 60 Months. %. $1, Open a Standard CD Today! ; 12 months, %, % ; 18 months, %, % ; 24 months, %, % ; 30 months, %, %. If the CD is renewed at maturity to a new CD with less than $1,, it will be paid a rate of % with a % APY.