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Step chart showing Canada's CRA prescribed interest rate holding at 3 percent through the fourth quarter of 2026.

The Canada Revenue Agency's prescribed rate has held at 3% for six straight quarters, a rate advisors can lock in for the life of an income splitting loan at inception. The rate is reset quarterly from Government of Canada Treasury bill yields, and those yields have been climbing toward a two year high. A sustained rise would push the prescribed rate itself higher in a future quarter, narrowing the window to establish a new loan at the current level.

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

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CRA Prescribed Rate Holds at 3% for a Sixth Straight Quarter

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Step chart showing the CRA's prescribed interest rate holding at 3 percent from the third quarter of 2025 through the fourth quarter of 2026.

The Canada Revenue Agency held the prescribed rate on family loans at 3% for the fourth quarter of 2026, its sixth straight quarter at that level.

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

The Canada Revenue Agency's prescribed rate has held at 3% for six consecutive quarters, unchanged since the third quarter of 2025.

The Prescribed Rate Held at 3 Percent. Everything Around It Moved.

August 14, 2026

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Line chart of the CRA prescribed rate for family loans by quarter, Q1 2023 to Q4 2026, with a 10-year yield line.

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CRA Prescribed Rate for Family Loans, Q1 2023 to Q4 2026

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Step chart of the CRA prescribed interest rate by quarter from the third quarter of 2022 to the fourth quarter of 2026.

The prescribed rate is unchanged for a sixth straight quarter, and a loan made before December 31 locks that rate in for life.

CRA Prescribed Interest Rate by Quarter, Q3 2022 to Q4 2026

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Line chart of daily closing 10-year government bond yields for Canada and the United States from August 28 to September 28, 2026.

Canadian yields have followed US yields higher even though the Bank of Canada has left its policy rate unchanged since the September 2 decision.

Canada and US 10-Year Government Bond Yields, August 28 to September 28, 2026

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