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Breaking down the Bank of Canada's decision to trimming interest rates to 3.75 per centCanadian Prime Rate: %. US Base Rate: %. Mortgages Rates, RRSP, RRIFs, RESPs & TSFA Rates at BMO. Prime = % ; Variable-rate mortgage (60 month term). Prime rate. % ; Capped-rate mortgage (60 month term). Prime rate. Capped rate = %. %. TD Prime Rate. %. Effective Date. October 24th, TD Prime Rate is the variable annual interest rate published by us from time to time as our TD Prime.