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$1,000,000 LINE OF CREDIT from BMO HARRIS BANK - BMO HARRIS CREDIT CARDMost banking executives likely know what a credit builder loan (CBL) Term in Months, Rate APR, Where funds go, Fees, Other. Banks. BMO Harris. Credit Builder Program � Premier Services. Resources. Make a one time payment You can also use BMO Express Loan Pay to make same-day payments to your BMO loan. The details: We'll secure your loan with a Certificate of Deposit (CD); Make timely payments to build a positive credit history; At the end of the term, you'll.