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

The CRA prescribed interest rate has held at 3% for six consecutive quarters, the lowest sustained level since late 2022, after a steady decline from double that level in mid-2024. A prescribed rate loan locks in the rate in effect when it is made for the full term of the loan, even if the CRA rate rises later, making the current floor a favourable window for income-splitting between family members. Canada's September 8 retaliatory tariffs create a separate, overlapping deadline for incorporated business owners in exposed sectors.

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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