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Market volatility has been led by pure speculation and rhetoric, says BMO Capital's BelskiGreater earning potential with competitive interest rates, which are accrued daily and paid monthly. � Flexibility & liquidity. Full access to funds with no. No monthly maintenance fee � Competitive rates and your choice of terms � Feel secure knowing your CD interest rate is locked in for your term. Prime & Base Rates at BMO. Canada Prime Rate: %. CAD Deposit Reference rate: %. USD Deposit Reference rate: %. US Base Rate: % %.