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Become a member of Gulf & Fraser

You deserve a financial partner that puts your goals first. 

Every member has equal ownership and an equal say in how their credit union operates, which means your bottom line is our bottom line. Gulf & Fraser is proud to be your community credit union for over 80 years. 


Become a Gulf & Fraser member!

Get in touch with us by filling out a short form.

You'll see many benefits as a member of Gulf & Fraser.

Being a member means a brighter future for all.

At Gulf & Fraser, it is our priority to ensure you gain the financial clarity and direction you need to meet your financial goals and Power your possibleTM. We focus on providing expert advice personalized for you, sharing the knowledge you need to make informed decisions. 


​Fee-free banking

​Manage your day-to-day spending and saving with ease when you choose from our simplified lineup of accounts designed for our personal and business members.

Access 43,000 surcharge-free ATMs in North America with THE EXCHANGE Network in Canada and the Allpoint Network in the US.


100% Guaranteed deposits*


Financial advice specific to your needs

Take charge of your future with a custom Smart Money Plan™.

Attend free financial literacy sessions held at our branches and in the community.


​Competitive rates and performance

Receive competitive loan and deposit interest rates, with little to no restrictions.

Experience more freedom with flexible repayment terms, a double-up payment option and more.


Bank at your convenience

Get unlimited access to online banking from your smart phone, desktop computer, or other device.

Make convenient and secure purchases with a tap of your Interac Flash®-enabled Gulf & Fraser MemberCard®.

Deposit a cheque by taking a photo of it and using Deposit AnywhereTM on your phone or other device.


​Mobile and online experts

Get financial advice from our mobile financial experts​ when and where it makes sense for you.

Connect with us via LiveChat instant messaging or talk to our helpful experts at our Member Hub.

Visit one of our branches across the Lower Mainland.


​Fast decisions and delivery

We are 100% local and can keep wait times short (most mortgages are approved within 24 hours).

We respond quickly to loan and mortage approvals, new account openings and product inquiries.


​Have your voice heard!

As a member of our credit union, you own a part of Gulf & Fraser. This means you're entitled to vote on policies, elect board members, and voice your opinions on how the organization is run at our Annual General Meeting.


Special equity shares for Gulf & Fraser members

As a Gulf & Fraser member, you have the option of purchasing additional membership equity shares.

As actual owners of the credit union, individuals—including junior members—must buy and retain a minimum of five Class "A" Membership Equity Shares.* The cost to you is $5.00. It is also important that you know the Membership Equity Shares account is not an interest-bearing account. 


Dividends may be declared at the discretion of our Board of Directors. Dividends are dependent on the financial status of the credit union for that year and are paid annually during the first quarter following year end. 

Note: Dividends paid by a credit union to a member who has shares in the credit union are not eligible for Canada's dividend tax credit (unless the shares are listed on a prescribed stock exchange) and are treated as regular interest income.

Share limits and redemption

The maximum number of Class "A" shares each member may purchase is 1,000. The balance may only exceed 1,000 by way of dividends, special dividends, and/or inheritance. Class "A" shares may be redeemed in full at any time upon:**

  • Member withdrawing from membership
  • Termination of membership by the credit union, as approved by the Board of Directors
  • Death of the member
  • Member is a partnership which dissolves
  • Member is an incorporated company and is dissolved or wound up
  • Member in any other case, ceases to be a legal entity according to the statute by or pursuant to which it was created

​Interested? Talk to us today.

We can help you get started.

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**Subject to the Credit Union Incorporation Act, the Credit Union may redeem the Class "A" Membership Equity Shares held by a member on such terms and conditions and at such time as the directors, in their discretion, resolve; Notwithstanding the foregoing but subject to the Credit Union Incorporation Act, the amount of Class "A" Membership Equity Shares that the Credit Union may be required to redeem in any financial year is limited to 10% of the amount of such shares issued and outstanding on the last day of the immediately preceding financial year; Any redemption or purchase of Class "A" Membership Equity Shares shall be at par value plus any dividends declared but unpaid thereon.

Become a member of Gulf & Fraser today!

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