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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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Beating Seasonal Allergies Naturally


Beating seasonal allergies without medication can be a game-changer for those who want to enjoy the outdoors without the sneezing, itching, and congestion. While medications are effective, there are several natural approaches you can try to alleviate symptoms. Here are some tried-and-true techniques:

  1. Limit Outdoor Exposure:

    • Pollen counts tend to be highest during midday and early evening. If possible, stay indoors during these peak times.
    • When venturing outside, consider wearing sunglasses to protect your eyes from pollen.

  2. Use Air Conditioning:

    • Both in your car and at home, air conditioning can help filter out allergens.
    • Consider using a HEPA filter in your home to trap airborne particles.

  3. Keep Windows Closed:

    • On high-pollen days, keep windows and doors shut to prevent allergens from entering your living spaces.

  4. Shower and Change Clothes After Being Outdoors:

    • Pollen can cling to your skin, hair, and clothing. A quick shower and change of clothes can help remove allergens.

  5. Nasal Rinses:

    • Use a saline solution (saltwater) in a neti pot or squeeze bottle to rinse out your sinuses. This can help clear out pollen and reduce congestion.

  6. Identify Allergy Triggers:

    • Knowing what you’re allergic to can help you avoid specific triggers. For example, if you’re allergic to tree pollen, stay informed about local pollen forecasts.

Remember that everyone’s allergies are unique, so experiment with these techniques to find what works best for you. And don’t hesitate to consult with a healthcare professional if your symptoms persist or worsen. Enjoy the great outdoors while keeping those pesky allergies at bay! 


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