Reference Rate

A reference rate is a benchmark interest rate used to set the variable rate on loans and credit products. Your loan rate may be expressed as a reference rate plus a margin.

The reference rate is reviewed and updated periodically. Check the current document for the most recently published rate.

If your loan is on a variable rate tied to the reference rate, a change will affect your repayment amount from the effective date stated in the update.

Use the archive list on this page to browse and download all previous publications, filterable by year.

Use the archive list on this page to browse and download all previous publications, filterable by year.

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