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Quarterly bar chart showing the CRA prescribed rate holding at 3 percent from Q1 2022 through Q4 2026.

The Canada Revenue Agency confirmed its prescribed rate stays at 3 percent for the fourth quarter of 2026, the sixth consecutive quarter at that level, based on Government of Canada three-month Treasury Bill yields from July. A prescribed rate loan made to a spouse, partner or family trust before December 31 locks in that rate for the life of the loan regardless of where rates move afterward, a window that has stayed open longer than usual as longer-term Canadian bond yields climb.

This chart is presented for general informational purposes only and does not constitute financial, investment, tax, or legal advice. Figures reflect the source and period indicated and may no longer be current.

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Bar chart showing Canada's CRA prescribed interest rate holding flat at 3% each quarter from 2022 through late 2026.

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Chart comparing the CRA's prescribed interest rate against Government of Canada 10 year bond yields since 2024.

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Step chart showing the CRA prescribed interest rate holding at 3 percent for a fifth straight quarter.

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Step chart showing the CRA prescribed interest rate holding at 3 percent for six straight quarters through 2026.

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Line chart showing the CRA prescribed interest rate holding at 3 percent from 2022 through the third quarter of 2026.

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