2026 Bank of Canada Interest Rate Announcements

Stay on top of the 2026 policy announcements — I update this page after each decision. The Bank of Canada publishes at 9:45am ET on announcement days.

Current Bank of Canada rate: 4.45% national prime lending rate — as of July 15, 2026.

2026 rate decision dates

Date	Decision
Wednesday, January 28, 2026	No change
Wednesday, March 18, 2026	No change
Wednesday, April 29, 2026	No change
Wednesday, June 10, 2026	No change
Wednesday, July 15, 2026	No change
Wednesday, September 2, 2026	TBA
Wednesday, October 28, 2026	TBA
Wednesday, December 9, 2026	TBA

Navigating 2026 rate shifts

These announcements matter a lot for BC homeowners this year, especially anyone managing a substantial renewal. Whether it makes more sense to lock into a fixed rate or ride out a variable one depends on where rates are actually headed — not just where they’ve been. The Bank’s quarterly Monetary Policy Report goes deeper than the headline number and is worth a look if you want the full picture.

If you have a renewal coming up in 2026 and want to talk through fixed vs. variable for your specific situation, reach out — I’ll walk you through the numbers as they stand today.