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The HIGHEST Interest Rate Savings AccountFDIC-insured: As long as your high-yield savings account is at a bank that's FDIC- or NCUA-insured, your money is protected for up to $, per person, per. BMO Alto Online Savings Account: BMO Alto's online savings account earns a % APY, doesn't charge monthly maintenance fees and has no minimum. 5/1/20 - BMO Harris Savings Drops To % APY 4/8/20 - BMO Harris Bank MM % APY, $5, Min BMO Bank CD Rates. BMO Bank CD Rates. APY, MIN, MAX, ACCOUNT.