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Line chart showing the CRA's prescribed interest rate for family loans holding steady at 3% since early 2025.

The CRA's prescribed rate for family income-splitting loans has held at 3% for five consecutive quarters, a rate that locks in at the loan's inception and applies for its full life. The fourth-quarter rate is being set now, based on the average yield on three-month Government of Canada Treasury bills through July, so a loan funded before quarter-end still secures the current 3% figure. Missing that window means locking in whatever rate takes effect October 1 instead.

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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