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Step chart showing the CRA prescribed interest rate holding flat at 3 percent since the third quarter of 2025.

The Canada Revenue Agency's prescribed rate has held at 3% for five straight quarters, but the fourth-quarter rate is set from Government of Canada Treasury bill yields auctioned in September, which have not yet happened. Canada's 10-year bond yield climbed to a 26-month high this week, and a broadly rising yield curve makes an increase from 3% a real possibility. Prescribed rate loans lock in whatever rate applies when the loan is made, so families considering income-splitting arrangements have a narrowing window before a new rate takes effect.

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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