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Fixed rates moved before the Bank did

Bank of Canada overnight rate, 5-year GoC yield and 5-year posted mortgage rate, monthly, 2019–Oct 2026

Unit: %
Compare series or markets · 3 selected
Fixed rates moved before the Bank didThe 5-year GoC yield rose from 3.27% in July to 3.69% in September while the overnight rate held at 2.25%. Unit: %. Monthly averages / month-end as published by the Bank of Canada. Use left and right arrow keys to inspect observations. The data table follows the chart.Fixed rates moved before the Bank didOvernight rate5-year GoC yield5-year conventional (posted)%0%2%4%6%8%Jan 2019Aug 2020Mar 2022Oct 2023May 2025Oct 2026Homies Research, using Bank of Canada data · Through 2026-10Monthly averages / month-end as published by the Bank of CanadaHOMIES RESEARCH
Oct 2026Overnight rate 2.25%5-year GoC yield 3.56%5-year conventional (posted) 6.19%

The 5-year GoC yield rose from 3.27% in July to 3.69% in September while the overnight rate held at 2.25%.

Source: Homies Research, using Bank of Canada data. Reference: 2026-10. Release date not supplied by source feed. Retrieved 2026-10-27.

Monthly averages / month-end as published by the Bank of Canada · Posted rates sit well above discounted rates borrowers actually get; October is month-to-date.

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View accessible data table · 3 series, 94 observations

Showing the latest 12 observations.

Fixed rates moved before the Bank did. Unit: %. Monthly averages / month-end as published by the Bank of Canada
PeriodOvernight rate5-year GoC yield5-year conventional (posted)
Nov 20252.25%2.72%6.09%
Dec 20252.25%2.96%6.09%
Jan 20262.25%2.93%6.09%
Feb 20262.25%2.67%6.09%
Mar 20262.25%3.09%6.09%
Apr 20262.25%3.2%6.09%
May 20262.25%3.05%6.09%
Jun 20262.25%3.01%6.09%
Jul 20262.25%3.27%6.09%
Aug 20262.25%3.33%6.09%
Sep 20262.25%3.69%6.09%
Oct 20262.25%3.56%6.19%

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