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Bar chart showing Canada's CRA prescribed interest rate holding flat at 3% each quarter from 2022 through late 2026.

Canada's CRA prescribed interest rate has held at 3% for six consecutive quarters, the rate used to price family income-splitting loans without attracting a taxable benefit. A rate locked in when a loan is set up applies for that loan's full term, even if the prescribed rate later moves. The stretch of stability comes as a 50% US tariff on a broad range of Canadian goods takes effect this week, adding pressure that could eventually push the rate higher.

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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