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Line chart of the CRA prescribed rate for family loans by quarter, Q1 2023 to Q4 2026, with a 10-year yield line.

The prescribed rate is reset each quarter from the average three-month Government of Canada Treasury bill yield in the first month of the preceding quarter, rounded up to the next whole percentage. Year-end family loan planning therefore turns on calendar dates rather than a rate cliff: interest on a 2026 loan is due by January 30, 2027, and 2026 RRSP contributions by March 1. Loans made at 4%, 5% and 6% keep those rates.

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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Step chart of the CRA prescribed interest rate by quarter from the third quarter of 2022 to the fourth quarter of 2026.

The prescribed rate is unchanged for a sixth straight quarter, and a loan made before December 31 locks that rate in for life.

CRA Prescribed Interest Rate by Quarter, Q3 2022 to Q4 2026

September 30, 2026

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Line chart of the CRA prescribed rate by quarter, Q3 2023 to Q4 2026, with a reference line for the 3-month bill yield.

A loan made before December 31 keeps the 3% prescribed rate for its full life, provided the borrowing spouse or trust pays the interest by January 30 each year.

CRA Prescribed Rate, Q3 2023 to Q4 2026, With the 3-Month Bill Yield

October 9, 2026

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Line chart of the CRA prescribed rate for family loans by quarter, Q1 2022 to Q4 2026, with a dashed Treasury bill line.

The prescribed rate is set from the average three-month Government of Canada Treasury bill yield in the first month of the preceding quarter, rounded up to a whole percentage.

CRA Prescribed Rate for Family Loans, Q1 2022 to Q4 2026

October 7, 2026

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Step chart of the CRA prescribed interest rate by quarter from the first quarter of 2020 to the fourth quarter of 2026.

The prescribed rate is the benchmark for family and spousal loans, and the rate in force on the day a loan is made is the one that applies to it.

CRA Prescribed Interest Rate, Quarterly, Q1 2020 to Q4 2026

October 1, 2026

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Line chart of daily closing 10-year government bond yields for Canada and the United States from August 28 to September 28, 2026.

Canadian yields have followed US yields higher even though the Bank of Canada has left its policy rate unchanged since the September 2 decision.

Canada and US 10-Year Government Bond Yields, August 28 to September 28, 2026

September 29, 2026

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Line chart of gold futures settlements from August 28 to September 28, 2026, with a shaded repurchase window to October 31.

A gold sale made on September 29 settles on October 1, and the 30-day repurchase restriction then runs through October 31.

Gold Futures and the 30-Day Repurchase Restriction After a September 29 Sale

September 29, 2026

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