Rates

Looking for a great high interest savings account? How about some of the best fixed rate and variable rate mortgages in Canada? At Gulf & Fraser, you can access the market-leading rates you want, backed by expert advice.

Rates

Get the best deal. Access the market-leading rates you want, backed by expert advice.

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Find the competitive interest rate you need for any product

Mortgages

Term deposits

Accounts

Foreign exchange

Featured mortgage rates

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List of rates for Residential First Mortgages
Residential First Mortgages	Rate
1 Year (Open)	7.95%
1 Year (Closed)	5.64%
2 Year (Closed)	4.79%
3 Year (Closed)	4.29%
4 Year (Closed)	4.29%
5 Year (Closed)	4.29%
7 Year (Closed)	5.00%
1 Year (Open Variable) Prime + 2.00%	6.95%
3 Year (Closed Variable) Prime - 0.35%	4.60%
5 Year (Closed Variable) Prime - 0.50%	4.45%
Special rate for CMHC or SAGEN Insured Mortgages – 5 year Fixed	3.89%
Special rate for CMHC or SAGEN Insured Mortgages – 5 year (Closed Variable) - 0.65%	4.30%

Let’s lock in the right rate for you

Our advisors are just a live chat, video, or phone call away to help you secure your rate.
Not finding the rate you need? Talk to us for a personalized rate solution.

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Try our mortgage calculator

Our handy mortgage calculator helps you explore the amount you can afford to borrow, your potential repayment schedule, and how different rates affect your options.

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Demystifying mortgages – a guide for homebuyers

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What to think about when renovating a home

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Featured term deposit rates

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List of rates for Term Deposit Specials
Term Deposit Specials	Rate
18 Months Cashable term	2.40%

List of rates for Short Term Non-Redeemable
Short Term Non-Redeemable	Rate
30-59 Days	2.20%
60-89 Days	2.30%
90-179 Days	2.40%
180-269 Days	2.50%
270-364 Days	2.60%

List of rates for Long Term Non-Redeemable Annual Interest Term Deposit
Long Term Non-Redeemable Annual Interest Term Deposit	Rate
1 Year	2.90%
18 Months	2.90%
2 Years	3.00%
3 Years	3.15%
4 Years	3.20%
5 Years	3.20%

List of rates for US Dollar Term Deposit
US Dollar Term Deposit	Rate
30-59 Days	1.75%
60-89 Days	1.95%
90-179 Days	2.15%
180-269 Days	2.25%
270-364 Days	2.45%
1 Year	3.60%
18 Months	3.50%
2 Years	3.50%
3 Years	3.45%
4 Years	3.35%
5 Years	3.35%

Open a term deposit today

Our advisors can meet you wherever and whenever works best to help you get set up.

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How to ladder your term deposits for maximum growth

Learn how to ladder your term deposits to reduce risk while maximizing your investments’ rate of return.

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Get the lowdown on the market, your investment options and compounding interest in our podcast.

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What are tax efficient investments & how to use them

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Featured chequing & savings account rates

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Personal Accounts

List of rates for Spending Accounts
Spending Accounts	Rate
Personal and Business US Dollar	0.05%

List of rates for Savings Account (Interest Calculated CDB, Paid Monthly)
Savings Account (Interest Calculated CDB, Paid Monthly)	Rate
Personal and Business Savings Accounts	0.05%

List of rates for High Interest Savings - Non-Registered (CDB/M) (Interest Calculated on CDB, Paid Monthly)
High Interest Savings - Non-Registered (CDB/M) (Interest Calculated on CDB, Paid Monthly)	Rate
$0 to $99,999	0.80%
$100,000 to $249,999	0.80%
$250,000 to $499,999	0.80%
$500,000+	0.80%

Business Accounts

List of rates for High Interest Business Savings (CDB/M)
High Interest Business Savings (CDB/M)	Rate
$0 - $4,999	1.50%
$5,000 - $24,999	1.50%
$25,000 - $59,999	1.50%
$60,000 - $99,999	1.50%
$100,000 - $499,999	1.75%
$500,000 - $999,999	2.00%
$1,000,000 - $4,999,999	2.25%
$5M+	2.50%

Open an account today

You can stop by any one of our large network of local branches to get set up.

Find your nearest branch

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Try our savings calculator

Our simple savings calculator helps you visualize the power of compounding when combined with the right interest-bearing savings account.

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The power of paying yourself first

Find out how to accelerate your savings growth by paying yourself first.

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US currency

List of rates for Foreign Exchange Rates
Foreign Exchange Rates	Buy Rate	Sell Rate
United States (Dollar)	1.4202	1.3652

What you need to know about getting US currency at Gulf & Fraser

US currency is available at Gulf & Fraser branches and in Gulf & Fraser ATMs.
- Our boutique branches, including Brentwood, Metrotown and West End, offer US currency in the ATM only.
- The "buy rate" in the ATM is set by the Exchange. You may find a preferential rate by ordering through a Gulf & Fraser branch.
If you require an amount in excess of $10,000 US, your branch can give you a live US dollar exchange rate quote.
US dollar exchange rates are updated daily. Buy and sell rates are listed from the member’s perspective.

Other foreign currencies

We buy & and sell approximately 60 different currencies, at competitive rates. To get the latest rates for any of these, please contact your local branch.

Order your currency today

Get in touch with your local branch and we’ll have your currency order ready within 1-5 business days.

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Try our foreign exchange calculator

Our foreign exchange calculator helps you determine the cost of converting US dollars into Canadian dollars and vice versa.

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5 easy things you can do to avoid identity theft

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All rates are subject to change without notice, and are not guaranteed unless confirmed by phone or fax.

Our calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit a Gulf & Fraser branch to seek personalized advice from qualified professionals for all your personal finance issues.