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BMO ALTO High Yield Savings Account Review (Pros And Cons Of BMO ALTO High Yield Savings Account)BMO Alto rates (APY) as of include: Online Savings @ % (no change) 6-month CD @ % (no change) month CD @ % (no change) month CD @ 4. BMO Alto savings rates ; APY offering: %. Rating: 5 stars out of 5 ; Minimum deposit: $ Rating: 5 stars out of 5 ; Range of term lengths: 6 mos � 5 yrs. 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.