BMO GIC Rates - Updated October 2025

Compare BMO Guaranteed Investment Certificate rates and features. Find the best deal for your savings with CDIC-insured protection.

Compare All GIC Rates

About BMO

BMO is Canada's oldest bank, known for stability and comprehensive financial services.

Bank Details

  • Established: 1817
  • Headquarters: Montreal, Quebec
  • CDIC Member: Yes
  • Website: https://www.bmo.com

Key Features

  • Oldest Canadian bank
  • Investment services
  • Stable rates
  • Mobile banking
PRODUCT DEBUG INFO:
page_type: bank_product
product exists: YES
product.name: GIC
product.full_name: Guaranteed Investment Certificate
product.tax_treatment: Interest income is taxable (unless in registered account)
product.liquidity: Low - locked in for term
product.risk_level: No risk (CDIC insured)
product.best_for: ['Conservative investors', 'Guaranteed returns', 'Capital preservation', 'Known timeline']

About Guaranteed Investment Certificate

A secure investment that guarantees to preserve capital while earning a fixed rate of return.

Tax Treatment: Interest income is taxable (unless in registered account)
Liquidity: Low - locked in for term
Risk Level: No risk (CDIC insured)

Best For:

  • Conservative investors
  • Guaranteed returns
  • Capital preservation
  • Known timeline

❓ Frequently Asked Questions

What is the current BMO GIC rate?

Current BMO Guaranteed Investment Certificate rates vary based on term and balance. Use our comparison tool for the most up-to-date rates.

What is the minimum deposit for BMO GIC?

The minimum deposit for BMO Guaranteed Investment Certificate is $500.

Is BMO CDIC insured?

Yes, BMO is a CDIC member institution.

How does BMO GIC compare to other banks?

Use our comparison tool to see how BMO Guaranteed Investment Certificate rates and features compare to other Canadian banks.

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