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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.

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.

Need help? Call us at 604-419-8888.

Every credit union member has a say in how their credit union is run.

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. 

​Financial advice specific to your needs

Fee-free banking

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.

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.

​Anytime convenience and accessibility

  • 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.
  • 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.
  • Easily transfer money with Interac® e-Transfer.
  • Deposit a cheque by taking a photo of it and using Deposit Anywhere on your phone or other device.

​Peace of mind with 100% guaranteed deposits*

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

Flexibility

Are you self-employed or a new immigrant without a financial history in Canada? We have the time and ability to customize our solutions so they fit your needs.

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.


Understand your 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. Dividend 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.

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Share in your credit union profits with G&F 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

If you're interested in investing in G&F or would like more information, please connect with us at 604-419-8888.

*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.

Learn more: Credit unions are helping here

See how G&F is investing in your community.

Read: G&F member stories

Stories from your community

Become a member of G&F Financial Group today!