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Let us help power your possible

What can we help you with today?


Explore our Member Rewards Program

Earn up to $10 a month as you take steps towards your financial goals.

Smart Money Plan

Create a personalized plan that will set you up for success.

Browse special offers

Take advantage of more offers designed to help you achieve your goals.


Mobile app

Pay bills, transfer money, deposit cheques and more – all from your phone or tablet.

Download iPhone app

Download Android app

Online banking

Manage your money with ease at home, in the office or on the go.

Branch network

Get friendly, in-person support at any branch in our large, local network.

Telephone banking

Telephone banking services are not available until further notice. Online banking services is available 24 hours a day, 7 days a week to perform day to day transactions including account balances, bill payments or transfers. As another alternative, a Member Hub team member would be happy to help you set up automated re-occurring transactions such as bill payments and transfers.

Mobile support

Get advice from our experts whenever and wherever works best for you.

ATM network

Access cash surcharge-free at 43,000 ATMs across Canada and the US.


Explore chequing accounts

Manage your spending with ease using accounts designed for simplicity.

Browse savings accounts

Set aside strong savings with our range of accounts for short and long-term goals.

Grow your money tax free

Save for any goal entirely tax free with a Tax Free Savings Account.

Do more with the right credit card

Earn the credit card rewards you want most – travel, cash back and more.

Add alerts to your account

Monitor your account activity with alerts sent to your phone and/or email.

How to protect yourself online

Learn tricks you can use to keep your accounts safe from online fraud.


Term deposits

Grow your money guaranteed, while protecting your initial investment.

Invest with expert support

Free up time with a professionally managed, personalized portfolio.

Invest for yourself

Take advantage of our intuitive self-directed and robo investing services.

Get advice on the go

Chat with an expert whenever works best – no matter how much money you have.

Investment calculators

Explore which investing solutions make the most sense for your next financial steps.

How to invest tax-smart

Find out how to reduce the tax you pay on your investment earnings.


Cash Back Credit Cards

Put your spending to work, making you money with every purchase.

Travel Credit Cards

Reward yourself with premium benefits wherever you go.

Low Interest Credit Cards

Save on interest with cards designed to keep your credit costs low.

No Fee Credit Cards

Keep things simple, with straightforward cards that charge no annual fee.

Borrow anytime for any goal

Enjoy flexible, ongoing access to funds with our line of credit options.

How to grow your credit

Learn how smart credit card spending can help boost your credit score.


Browse mortgages

Buy, build, renew, or refinance a home, with our flexible mortgage options.

Save tax free for your first home

Grow your home savings completely tax free, while also reducing your tax bill.

Mortgage rates

Access competitive mortgage rates, backed by expert guidance.

Make the most of your home equity

Leverage the equity in your home to achieve more of your goals.

Mortgage calculator

Explore your mortgage options and how much you can afford to borrow.

Your guide to buying a home

Learn everything you need to know about mortgage types, rate options and more.


Browse Loans

Borrow for your next big goal or purchase, with our flexible range of loans.

Explore lines of credit

Enjoy flexible, ongoing access to funds with our line of credit options.

Loan rates

Benefit from market-leading loan rates, combined with expert borrowing advice.

Do more with the right credit card

Earn the credit card rewards you want most – travel, cash back and more.

Loan calculator

See how much you can afford to borrow and what your payments could look like.

How to pay debt down faster

Explore strategies to help you take control of debt and accelerate its repayment.


Plan for your future goals

Achieve any goal with help from experts who tailor their advice to you.

Plan for your dream retirement

Let us help ensure you’re ready to retire your way – whenever that may be.

Plan a tax-efficient estate

Get expert support with wills, trusts, estate administration and more.

Boost your retirement income

Benefit from a guaranteed, life-long source of income in retirement.

Protect your loved ones

Ensure your family’s financial security with a flexible life insurance plan.

Protect your health

Enjoy comprehensive health and dental coverage to supplement your MSP.

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Join a credit union that cares

You deserve a financial partner who puts you first. When you join Gulf & Fraser, you’re more than a customer. You’re a member and owner of our credit union, with a say in how we operate and who joins our board.

So we work in your interests only and our team will go above and beyond to empower your financial wellness – no matter where you are in your journey.

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Hear what our members have to say

Mackenzie Dean

“Even though I didn’t have a lot of equity, [Gulf & Fraser] worked it out, consolidating all of my student loan debt into one personal loan that I am now easily paying off.”

Read Mackenzie's story  Read more stories