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Find the competitive interest rate you need for any product

 
 

Featured mortgage rates

Residential mortgages

1 year closed

Residential mortgages

3 year closed

Residential mortgages

5 year closed

 
List of rates for Residential First Mortgages
Residential First Mortgages Rate
1 Year (Open)
9.25%
1 Year (Closed)
6.99%
2 Year (Closed)
6.79%
3 Year (Closed)
5.85%
4 Year (Closed)
5.59%
5 Year (Closed)
5.59%
7 Year (Closed)
6.39%
1 Year (Open Variable) Prime + 0.70%
7.90%
5 Year (Closed Variable) Prime - 0.41%
6.79%
Special rate for CMHC or SAGEN Insured Mortgages – 5 year fixed
5.09%
25 years or less amortization qualifies for - 0.10% discount
-0.10%
 

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.

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

Learn everything you need to know about mortgage types, rate options and navigating the homebuying process.

Is a mortgage right for me? Understanding mortgages

Explore the mortgage products available, so you can determine which option is right for you.

What to think about when renovating a home

Get a quick breakdown of the costs and steps to expect when making home improvements.

 
 

Featured term deposit rates

Term deposit

1 year

Term deposit

2 year

Term deposit

5 year

 
List of rates for Term Deposit Specials
Term Deposit Specials Rate
18 Months Cashable term
3.00%
List of rates for Short Term Non-Redeemable
Short Term Non-Redeemable Rate
30-59 Days
2.00%
60-89 Days
2.25%
90-119 Days
2.60%
120-179 Days
2.60%
180-364 Days
3.10%
List of rates for Long Term Non-Redeemable Annual Interest Term Deposit
Long Term Non-Redeemable Annual Interest Term Deposit Rate
1 Year
5.00%
1.5 Years
4.75%
2 Years
5.00%
3 Years
4.40%
4 Years
4.35%
5 Years
4.30%
List of rates for US Dollar Term Deposit
US Dollar Term Deposit Rate
30-59 Days
1.75%
60-89 Days
1.95%
90-119 Days
2.15%
120-179 Days
2.40%
180-364 Days
3.45%
1 Year
3.60%
1.5 Years
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.

Investing 101: How to start growing your money

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

What are tax efficient investments & how to use them

Find out how to maximize growth and minimize your tax with tax-smart investing strategies.

 
 

Featured chequing & savings account rates

Savings account

Personal and business

US dollar account

Personal and business

High-interest savings

Personal and business

 

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
1.50%
$100,000 to $249,999
1.50%
$250,000 to $499,999
1.50%
$500,000+
1.50%
List of rates for RRSP HISA Plan (CDB/M) (Interest Calculated on CDB, Paid Monthly)
RRSP HISA Plan (CDB/M) (Interest Calculated on CDB, Paid Monthly) Rate
$0 to $99,999
1.50%
$100,000 to $249,999
1.50%
$250,000 to $499,999
1.50%
$500,000+
1.50%

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
2.25%
$1,000,000 - $4,999,999
3.00%
$5M+
3.25%
 

Open an account today

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

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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.

A complete guide to protecting yourself against fraud

Learn everything you need to know about identity theft, digital scams and how to stay safe online.

6 easy steps to build a strong emergency fund

Discover what an emergency fund is, why it’s important and tips for how to set that money aside.

 
 

US currency

List of rates for Foreign Exchange Rates
Foreign Exchange Rates Buy Rate Sell Rate
United States (Dollar)
1.3788
1.3238
  • 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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Make sure you’re ready to travel stress-free by following these vacation planning tips and tricks.

Introducing the 50/30/20 budget & how to use it

Learn how to use this smart budgeting strategy to maximize your savings for that dream vacation.

5 easy things you can do to avoid identity theft

Discover the simple things you can do to keep your personal data safe at home and on the go. 

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.