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Differences between Canadian and U.S. MortgagesRBC Posted Rates � 1-Year Fixed. RBC % � 2-Year Fixed. RBC % � 3-Year Fixed. RBC % � 4-Year Fixed. RBC % � 5-Year Fixed. RBC. In a move widely anticipated by financial experts, the Bank of Canada reduced its overnight policy rate by another 25 basis points. Current RBC Mortgage Rates � 1-year fixed open, %, % � 2-year fixed closed, %, % � 3-year fixed closed, %, % � 4-year fixed.