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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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A Symbol of Hope: Tiny Christmas Tree Amidst Church Ruins in Lebanon

 

In the southern Lebanese town of Dardghaya, amidst the ruins of the 18th-century St. George Melkite Catholic Church, a tiny Christmas tree now stands as a symbol of hope and resilience. The church, devastated by an Israeli airstrike in October, once served as a vibrant community center. 

Georges Elia, a 40-year-old municipal worker and churchgoer, took it upon himself to bring some normalcy to the holiday season. "This year, Christmas is arriving with sadness for us, but we didn't want it to be a sad one for the town's residents and its church," Elia said. 

The modest tree, shorter than Elia himself, is decorated with a shining garland and a star. Despite the lack of lights and a traditional Nativity scene due to the war's destruction, the tree stands tall among the fallen stones and shattered pews. "But, of course, Christ is born in our hearts, lit with our love for him," Elia added.

The church's priest, Father Maurice el Khoury, who has served for 11 years, conducts Sunday Mass in a small underground room that once housed visiting bishops. "This room is more like the cave where Jesus was born," he said, reminding families of the true essence of the holiday season.

The community's faith remains unshaken, and despite the staggering financial toll of the damage, estimated at nearly $3 million, they continue to celebrate Christmas with hope and love.



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