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Line chart showing Canada's prescribed interest rate holding flat at 3 percent from 2024 through late 2026.

The Canada Revenue Agency confirmed its prescribed interest rate will stay at 3% for the fourth quarter of 2026, the sixth straight quarter at that level, based on July's Treasury Bill yields. The rate governs income-splitting loans to a spouse or family trust and locks in for the loan's life once set. The bigger risk isn't the rate itself: annual interest on an existing loan must be paid within 30 days of year end, or the CRA attributes the loan's investment income back to the lender going forward.

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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