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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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Stay Healthy This Sick Season: Tips to Protect Yourself from Norovirus, COVID-19, Flu, and RSV


As winter approaches, so does the season of sniffles, coughs, and stomach bugs. Norovirus, COVID-19, flu, and RSV are all making their rounds, but there are steps you can take to protect yourself and stay healthy:

1. Practice Good Hand Hygiene

Wash your hands frequently with soap and water for at least 20 seconds, especially after using the bathroom, before eating, and after coming into contact with potentially contaminated surfaces. If soap and water aren't available, use a hand sanitizer with at least 60% alcohol.

2. Handle Food Safely

Norovirus is often spread through contaminated food. Ensure that you wash fruits and vegetables thoroughly, cook shellfish properly, and avoid preparing food when you're sick.

3. Clean and Disinfect Surfaces

Regularly clean high-touch surfaces like doorknobs, light switches, and countertops with household cleaning products. Use a chlorine bleach solution or an EPA-registered disinfectant to clean areas contaminated by vomit or feces.

4. Wear Masks in Crowded Areas

Wearing an N95 or medical-grade mask can help reduce your exposure to respiratory viruses like COVID-19 and the flu. Cover your mouth and nose with a tissue or your elbow when you cough or sneeze.

5. Get Vaccinated

Stay up to date with your COVID-19 booster shots and get the annual flu vaccine. While there are no vaccines for norovirus or the common cold, getting vaccinated against flu and COVID-19 can significantly reduce your risk of severe illness.

6. Stay Home When Sick

If you're feeling unwell, stay home to avoid spreading illness to others. Isolate yourself until at least 48 hours after your symptoms have subsided.

7. Prioritize Rest and Hydration

Ensure you get plenty of rest and stay hydrated. Drink water and electrolyte solutions to help your body recover from illness.

By following these simple steps, you can help protect yourself and others from the common winter illnesses. Stay healthy and take care!




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