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Bar chart showing Canada's quarterly prescribed interest rate holding steady at 3 percent from 2022 through 2026.

The CRA's prescribed rate has held at 3% for a fifth consecutive quarter, its lowest sustained level since the current cycle began in 2022. Because a prescribed rate loan locks in the rate charged at the time it is set for the loan's full term, this quarter represents a planning window for family income splitting strategies before any future rate increase. The window comes as CUSMA's newly annual review cycle adds fresh uncertainty to the broader outlook for CCPC clients.

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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