2021 USD to CAD Historical Review

YEARLY HIGH

1.2937 CAD

YEARLY LOW

1.2041 CAD

YEARLY AVERAGE

1.2538 CAD

2021 USD to CAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the USD to CAD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 20, valuing the pair at 1.2937. Conversely, the yearly low was recorded on June 2, dropping to 1.2041.

This high-to-low spread represents a total annual volatility of 0.0896 CAD. From a start-to-finish perspective, comparing the January average rate of 1.2728 to the December average rate of 1.2801, the exchange rate registered a net change of 0.57% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.2937 was down 10.79% compared to the 2020 peak of 1.4501, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 USD based on timing:

Yearly Peak High 6,468 CAD

2020 Average 6,707 CAD

Yearly Trough Low 6,020 CAD

Transaction Impact: A difference of 448.01 CAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.2868

1.2059

JanuMarcMayJulySeptNove

USD to CAD Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 1.2477, compared to 1.2600 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0124 points.

H1 Avg (Jan–Jun) 1.2477

H2 Avg (Jul–Dec) 1.2600

Volatility Range Comparison

Volatility

The most volatile month in 2021 was July, with a trading range of 0.0434 CAD (High: 1.2750 / Low: 1.2316). On the other end, January was the most stable month, with a tight range of 0.0202 CAD (High: 1.2831 / Low: 1.2629).

July Spread (Volatile) ±0.0434

January Spread (Stable) ±0.0202

Growth Streaks & Declines

Trends

Between May and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0376 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0376

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 1.2801) against the same month in 2020 (average: 1.2809), the exchange rate shifted by -0.0008 (-0.06%).

2021 Avg (December) 1.2801

2020 Avg (December) 1.2809

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2831	1.2629	1.2728
February	1.2849	1.2513	1.2697
March	1.2679	1.2389	1.2572
April	1.2615	1.2277	1.2503
May	1.2301	1.2050	1.2127
June	1.2464	1.2041	1.2233
July	1.2750	1.2316	1.2510
August	1.2832	1.2469	1.2602
September	1.2817	1.2526	1.2669
October	1.2647	1.2326	1.2443
November	1.2791	1.2374	1.2578
December	1.2937	1.2640	1.2801