2026 USD to CAD Historical Review

YEARLY HIGH

1.3980 CAD

YEARLY LOW

1.3491 CAD

YEARLY AVERAGE

1.3773 CAD

2026 USD to CAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the USD to CAD exchange rate experienced significant fluctuation. The market reached its absolute peak on June 12, valuing the pair at 1.3980. Conversely, the yearly low was recorded on January 29, dropping to 1.3491.

This high-to-low spread represents a total annual volatility of 0.0489 CAD. From a start-to-finish perspective, comparing the January average rate of 1.3786 to the December average rate of 1.3915, the exchange rate registered a net change of 0.93% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 1.3980 was down 4.98% compared to the 2025 peak of 1.4713, 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 6,990 CAD

2025 Average 6,988 CAD

Yearly Trough Low 6,746 CAD

Transaction Impact: A difference of 244.37 CAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

1.3941

1.3626

JanuFebrMarcApriMayJune

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 1.3773, compared to 0.0000 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 1.3773 points.

H1 Avg (Jan–Jun) 1.3773

H2 Avg (Jul–Dec) 0.0000

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0433 CAD (High: 1.3924 / Low: 1.3491). On the other end, February was the most stable month, with a tight range of 0.0158 CAD (High: 1.3712 / Low: 1.3554).

January Spread (Volatile) ±0.0433

February Spread (Stable) ±0.0158

Growth Streaks & Declines

Trends

Between February and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0134 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0134

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2026: 1.3915) against the same month in 2025 (average: 1.3679), the exchange rate shifted by +0.0236 (+1.72%).

2026 Avg (June) 1.3915

2025 Avg (June) 1.3679

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.3924	1.3491	1.3786
February	1.3712	1.3554	1.3652
March	1.3929	1.3577	1.3727
April	1.3947	1.3627	1.3780
May	1.3838	1.3598	1.3778
June	1.3980	1.3813	1.3915