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Rate Watch: Best GIC, Savings and Mortgage Rates in Canada (Nov 13, 2026)

  Rate Watch | Canadian Money Brief Best GIC, Savings and Mortgage Rates in Canada Today Friday, November 13, 2026 • Bank of Canada rate 2.50% • Prime 4.70% The Bank of Canada raised its policy rate to 2.50% on October 28. Savers saw very little of it: GIC rates barely moved, and big-bank savings accounts still pay next to nothing. Borrowers saw more of it: the lowest 5-year fixed mortgage rate crept up from 4.34% to 4.44% after bond yields jumped. Here is where the best rates sit today. 4.05% Best 1-yr GIC WealthONE 4.55% Best 5-yr GIC WealthONE 2.85% Top HISA (no promo) WealthONE / Saven 4.44% Lowest 5-yr fixed insured mortgage 3.60%+ Lowest 5-yr variable insured mortgage Best GIC Rates Term Best rate Provider Runner-up 1 year 4.05% WealthONE Bank of Canada Achieva Financial 3.95% 2 years 4.30% WealthONE Bank of Canada Achieva Financial 4.10% 3 years 4.40% WealthONE Bank of Canada MCAN, Oaken, Saven 4.30% 5 years 4.55% WealthONE Bank of Canada Oaken Financial 4.50% Big banks, 1 y...
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Easy Holiday Rum Balls


An easy holiday rum balls recipe for sweet and delicious, rum-soaked cookie balls. Rum balls are the best bite-sized treat for holiday parties and festive gifting!

  • Ingredients:

    • 2 ½ cups Vanilla Wafers (crushed, about 75 wafers)
    • 1 cup Ground Pecans
    • 1 cup Confectioners’ Sugar
    • 2 tablespoons Baking Cocoa (plus 2 teaspoons)
    • ¼ cup Rum
    • 3 tablespoons Honey
    • 2 tablespoons Water
    • Additional Confectioners’ Sugar or Crushed Vanilla Wafers

  • Instructions:

    1. In a large bowl, mix together the crushed vanilla wafers, ground pecans, confectioners’ sugar, and baking cocoa.
    2. In a separate bowl, combine the rum, honey, and water.
    3. Stir the rum mixture into the dry ingredients until well combined.
    4. Shape the mixture into 1-inch balls.
    5. Roll the balls in additional confectioners’ sugar or crushed vanilla wafers.
    6. Store the rum balls in an airtight container.

Enjoy your delicious rum balls!


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