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Chart comparing the CRA's prescribed interest rate against Government of Canada 10 year bond yields since 2024.

The Canada Revenue Agency's prescribed rate has held at 3% for six consecutive quarters, unchanged since the third quarter of 2025. Government of Canada 10 year yields have since climbed to 3.75%, their highest since May 2024, widening the gap with the locked prescribed rate to roughly 75 basis points. Because a prescribed rate loan locks its rate for the life of the loan, that spread favours setting one up now rather than waiting for a future quarter.

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 showing the CRA's prescribed interest rate holding at 3 percent from the third quarter of 2025 through the fourth quarter of 2026.

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Quarterly bar chart showing the CRA prescribed rate holding at 3 percent from Q1 2022 through Q4 2026.

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Step chart of the Canada Revenue Agency's quarterly prescribed interest rate from 2022 through the fourth quarter of 2026.

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