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Become a member of G&F Financial Group

G&F is proud to be your community credit union for over 75 years.

We are owned by the people that bank with us, which means your bottom line is our bottom line. Every member has equal ownership and an equal say in how their credit union operates, no matter what their balance.

You deserve a financial partner that puts your goals first.

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Get started by filling in a membership application

The application takes 5-10 minutes to complete. After you submit it, we'll contact you within two business days regarding next steps to becoming a member of G&F.

You'll see many benefits as a member of G&F Financial Group.

Being a member means a brighter future for all.

At G&F Financial Group, it is our priority to ensure you gain the financial clarity and direction you need to meet your financial goals and enjoy your life beyond banking. We focus on providing expert advice personalized for you, sharing the knowledge you need to make informed decisions. 

​Fee-free banking

Get fee-free banking with select GO&GROW personal and business plans.

Access to 4000+ ding-free ATMs across Canada.

​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

Free and unlimited Interac® e-Transfers for all personal accounts.

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 G&F MemberCard.

Deposit a cheque by taking a photo of it and using Deposit Anywhere 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 us in branch in 16 locations across the Lower Mainland.

​Fast decisions and delivery

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

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

​100% Guanrateed deposits*

All deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).

​Have your voice heard!

As a member of our credit union, you own a part of G&F Financial Group. This means that 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 G&F members

As a G&F member, you have the option of purchasing additional membership equity shares or investment equity shares.

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

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. 

Share limits and redemption

The maximum 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.

Investment equity shares

As a member, you have the opportunity to invest in G&F Financial Group through Class "C" Investment Equity Shares (also called G&F Investment Equity Shares).

These shares help strengthen G&F's capital, supporting future growth and development. And, as a member, you'll receive a premium rate of return on your investment. Historically, G&F Investment Equity Shares have outperformed traditional term deposits. 

G&F Investment Equity Shares are a good investment for members who:

  • Can invest a minimum of $500
  • Are seeking higher returns
  • Are comfortable with an investment where returns are not guaranteed
  • Have a long investment time horizon

​Interested? Talk to a Money Advisor.

We can help you get started.

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*Money invested in Equity Shares and the dividends earned from them are not guaranteed by the Credit Union Deposit Insurance Corporation (CUDIC). Shares are valued at $1.00 per share, no cents.

**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 G&F Financial Group today!