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Line chart tracking the CRA's prescribed interest rate declining to a steady 3% through the third quarter of 2026.

The Canada Revenue Agency's prescribed interest rate has held at 3% for five straight quarters, its longest stable stretch since 2020 and 2021. The rate is set quarterly from short term government bond yields and locks in for the life of a family loan once advanced, removing the timing pressure families otherwise face when deciding whether to set up a loan now or wait. The Department of Finance opened pre-Budget 2026 consultations on July 6, giving families a window to lock in terms before any new proposals take shape.

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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Charts and data on this site are provided for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Each chart reflects the source and period indicated on it and may not represent current market conditions.

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