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Canada�s office vacancy rate climbing to its highest level: Property reportFind your CD rate ; 3 months, , ; 6 months, , ; 9 months, , ; 12 months, , ; 18 months, , BMO CD rates ; 18 months, % � %* ; 24 months, % � %* ; 25 months, % ; 30 months, % � %* ; 35 months, %. The rates offered on BMO Standard CDs are quite paltry, earning anywhere from % to % APY, far below the national average. Investors can earn a higher.