Interest Rates

You'll receive a competitive interest rate on your positive cash balances. The interest rate grows as your cash balance grows.*

See our current GIC rates

Effective as of September 9, 2010

Current Prime Rate
Prime Rate
%


Credit Balances in Cash or Margin Accounts

Investment account
cash balance		 We pay on your entire
CDN$ cash balance		 We pay on your entire
US$ cash balance
from $0 up to $24,999 0.00% 0.00%
from $25,000 up to $99,999 0.00% 0.00%
$100,000 and over 0.00% 0.00%

If you’ve been approved for a BMO InvestorLine Margin Account, you have automatically obtained a loan from BMO InvestorLine.

Debit Balances in Margin Accounts

For CDN$ balances we charge For US$ balances we charge
4.25 % 4.75 %

5 Star clients - please refer to the preferred interest rates page for current applicable rates.

Debits in Cash Accounts

Registered Retirement Account Credit Balances

We pay on your entire CDN$ cash balance We pay on your entire US$ cash balance
0.000% 0.000%

Tax-Free Savings Account Credit Balances

We pay on your entire CDN$ cash balance We pay on your entire US$ cash balance
0.000% 0.000%

*Note: On cash or margin accounts interest is not paid or charged if less than $5 per month. On registered accounts interest is not paid if less than $5 per month. Interest rates paid on cash balances or charged on debit balances in your BMO InvestorLine account are subject to change without notice. Interest is calculated on the average monthly credit and/or debit balance in (the bank account component of) your BMO InvestorLine account during the period from the 22nd day of the previous month through to and including the 21st day of the current month, and is posted to your account on the 22nd day of the month.