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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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Almond Biscotti

 

Almond biscotti are deliciously crunchy and perfect with a cup of coffee. 

 Ingredients:

  • 1 cup whole almonds (with skin)
  • 1 cup granulated sugar
  • 2 cups all-purpose flour
  • 1/2 teaspoon baking powder
  • 1/4 teaspoon salt
  • 3 large eggs
  • 1 teaspoon vanilla extract
  • 1 teaspoon almond extract

Instructions:

1. Preheat and Prepare: Preheat your oven to 350°F (175°C). Line a baking sheet with parchment paper or a silicone baking mat.

2. Toast Almonds: Spread the almonds on a baking sheet and toast in the oven for about 10 minutes until they're fragrant. Let them cool, then chop coarsely.

3. Mix Dry Ingredients: In a medium bowl, mix the flour, baking powder, and salt.

4. Whisk Eggs and Sugars: In a large bowl, beat the eggs, granulated sugar, vanilla extract, and almond extract until thick and pale (about 2-3 minutes).

5. Combine: Gradually add the dry ingredients to the egg mixture and stir until combined. Fold in the toasted almonds.

6. Shape Dough: On a lightly floured surface, divide the dough in half. Shape each half into a log about 12 inches long and 2 inches wide. Place the logs on the prepared baking sheet.

7. First Bake: Bake the logs for 25-30 minutes, or until they are firm to the touch and golden brown. Remove from the oven and let them cool for about 10 minutes.

8. Slice and Bake Again: Reduce the oven temperature to 325°F (165°C). Using a serrated knife, cut the logs into 1/2-inch slices. Lay the slices cut-side down on the baking sheet and bake for another 10-15 minutes, flipping them halfway through, until they are dry and golden.

9. Cool and Enjoy: Transfer the biscotti to a wire rack to cool completely. Enjoy with your favorite coffee or tea!

Feel free to experiment by adding other ingredients like chocolate chips or dried cranberries. 


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