Find the competitive interest rate you need for any product
Mortgages
Term deposits
Accounts
Foreign exchange
Featured mortgage rates
Residential mortgages
1 year closed
Residential mortgages
3 year closed
Residential mortgages
5 year closed
Get your rate
| Residential First Mortgages | Rate |
|---|---|
| 1 Year (Open) | 9.25% |
| 1 Year (Closed) | 6.99% |
| 2 Year (Closed) | 6.79% |
| 3 Year (Closed) | 5.44% |
| 4 Year (Closed) | 5.29% |
| 5 Year (Closed) | 5.29% |
| 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 | 4.89% |
| 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.
Get your rate
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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Is a mortgage right for me? Understanding mortgages
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Featured term deposit rates
Term deposit
1 year
Term deposit
2 year
Term deposit
5 year
Get your rate
| Term Deposit Specials | Rate |
|---|---|
| 18 Months Cashable term | 3.00% |
| 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% |
| Long Term Non-Redeemable Annual Interest Term Deposit | Rate |
|---|---|
| 1 Year | 4.80% |
| 1.5 Years | 4.75% |
| 2 Years | 4.60% |
| 3 Years | 4.25% |
| 4 Years | 4.25% |
| 5 Years | 4.25% |
| 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.
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Featured chequing & savings account rates
Savings account
Personal and business
US dollar account
Personal and business
High-interest savings
Personal and business
Get your rate
Personal Accounts
| Spending Accounts | Rate |
|---|---|
| Personal and Business US Dollar | 0.05% |
| Savings Account (Interest Calculated CDB, Paid Monthly) | Rate |
|---|---|
| Personal and Business Savings Accounts | 0.05% |
| 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% |
| 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
| 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.
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.
A complete guide to protecting yourself against fraud
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6 easy steps to build a strong emergency fund
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US currency
| Foreign Exchange Rates | Buy Rate | Sell Rate |
|---|---|---|
| United States (Dollar) | 1.3944 | 1.3394 |
What you need to know about getting US currency at Gulf & Fraser
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US currency is available at Gulf & Fraser branches and in Gulf & Fraser ATMs.
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Our boutique branches, including Brentwood, Metrotown and West End, offer US currency in the ATM only.
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The "buy rate" in the ATM is set by theExchange. You may find a preferential rate by ordering through a Gulf & Fraser branch.
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If you require an amount in excess of $10,000 US,your branch can give you a live US dollar exchange rate quote.
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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.
Find your nearest branch
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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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How to plan ahead & enjoy a worry-free vacation
Make sure you’re ready to travel stress-free by following these vacation planning tips and tricks.
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Introducing the 50/30/20 budget & how to use it
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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 to seek personalized advice from qualified professionals for all your personal finance issues.
