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Prime & Base Rates at BMO

Canada Prime Rate: (Effective as of: January 30, 2025)

CAD Deposit Reference rate: 5.20 % (Effective as of: January 30, 2025)

USD Deposit Reference rate: 4.50 % (Effective as of: December 19, 2024)

US Base Rate: 9.00 % (Effective as of: December 19, 2024)



  • Credit Card
    Annual interest rates on our Credit Card products
  • RRIFs
    Registered Retirement Income Fund (RRIF) rates
  • RDSPs
    Registered Disability Savings Plan (RDSP) rates
  • FHSA
    First Home Savings Account (FHSA) rates
  • RRSPs
    Registered Retirement Savings Plan (RRSP) rates
  • RESPs
    Registered Education Savings Plan (RESP) rates
  • TFSAs
    Savings Account (TFSA) rates
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