UNI Financial Cooperation
This Page's Content Was Last Updated: July 21, 2026
Important Information
WOWA.ca provides independent reviews using publicly available data and is not affiliated with UNI Financial Cooperation.
Shopping for financial products in New Brunswick? This 2026 UNI Financial Cooperation overview evaluates its latest rates and account features against major Canadian banks and regional credit unions. Select a topic below to inspect specific rates and data:
- Compare UNI Financial Cooperation Mortgage Rates — 1- to 5-year fixed and variable terms.
- Inspect GIC & Savings Rates — Non-registered, TFSA, and RRSP yields backed by CDIC.
- Financial Overview & Asset Rank — Key performance data for UNI Financial Cooperation (ranked #17 in Canada with $5.3 billion in assets).
- Branch Network & Accounts — Account options and local branch access.
Credit Union
UNI Financial Cooperation
UNI Financial Cooperation is a credit union located in New Brunswick. It was founded in 1936. It primarily serves Francophone and Acadian communities of New Brunswick.
UNI Financial Cooperation is the largest Acadian francophone financial institution in Canada. Its roots reach back to 1936, when the first Caisse populaire acadienne was founded in Petit Rocher, New Brunswick. Its development was connected to the use of the cooperative model to expand financial access, local ownership, and economic participation in Acadian communities.
Headquartered in Caraquet, UNI serves communities across New Brunswick with personal, business, wealth, and insurance services. In 2016, it became the first credit union in Canada to obtain a federal charter, placing it under the federal credit union framework.
UNI continues to operate with a local and francophone identity, providing cooperative financial services for members, businesses, and community development in New Brunswick.
Serves
Main Focus
Number of Members (as of 2025): ~155,000
UNI Financial Cooperation Mortgage Rates
The mortgage rates on this page were last updated on September 21, 2026 at 6:15 PM ET.
| Lender | Term | Insured down payment < 20% | Insurable home < $1M & amortization ≤ 25yr | Uninsured home ≥ $1M or refinances |
|---|---|---|---|---|
| UNI Financial Cooperation | 2-Year Fixed | — | 4.79% | 4.79% |
| UNI Financial Cooperation | 3-Year Fixed | — | 4.64% | 4.64% |
| UNI Financial Cooperation | 4-Year Fixed | — | 4.59% | 4.59% |
| UNI Financial Cooperation | 5-Year Fixed | 4.59% | 4.84% | 4.84% |
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | ||||
Understanding UNI Financial Cooperation Mortgage Features
- Prepayment Privileges: Most credit unions in New Brunswick allow members to make annual lump-sum prepayments (10%–20%) and payment increases without penalty.
- Early Termination Penalties: Breaking a fixed-rate mortgage early incurs an Interest Rate Differential (IRD) or 3 months' interest penalty. Variable mortgages typically carry a 3-month interest fee.
- Local Approval: Mortgages are underwritten locally, providing flexible solutions for self-employed buyers and unique property types.
Estimate your payments using WOWA's Mortgage Payment Calculator.
UNI Financial Cooperation GIC Rates
The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.
| Term | Non-Registered Rate | Registered Rate |
|---|---|---|
| 1-Year | 2.50% | 2.50% |
| 2-Year | 2.70% | 2.70% |
| 3-Year | 2.80% | 2.80% |
| 4-Year | 3.00% | 3.00% |
| 5-Year | 3.15% | 3.15% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | ||
UNI Financial Cooperation Ranking Among Credit Unions Monitored by WOWA
17th
by Assets
of 134 credit unions
17th
by Loans
of 133 credit unions
18th
by Deposits
of 133 credit unions
UNI Financial Cooperation ranks 17th among Canadian credit unions by assets monitored by WOWA, 17th by loans, and 18th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
UNI Financial Cooperation Branch Locations
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Specific Accounts for Ages 0 to 25
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $5,000
- Insurance Limit
- $100,000 per category
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $35,000
- This limit may vary depending on the client profile.
- *This account is available for youth and students only.
- No source is available for the account’s interest rate.
- UNI Specific Accounts for Ages 0 to 25 are no-monthly-fee accounts with unlimited included transactions. Options are available for children up to age 14, members ages 0 to 17, full-time post-secondary students, and young workers ages 18 to 25. The Youth Startup Account has more limited transaction and online banking access.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Chequing Account
2. Account: The Basic
- Standard Fee
- $3.95/mo
- Free Transactions
- 12
- Max e-Transfer / Day
- $5,000
- Insurance Limit
- $100,000 per category
Account details
- The account fee might be waived for seniors.
- This account allows 12 free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $35,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
- UNI The Basic is a $3.95-per-month transaction plan with 12 included transactions, including 2 teller transactions, and unlimited Interac e-Transfers. It also includes free paper statements and online cheque image viewing. Members age 59 and older receive a $4 monthly discount, while eligible RDSP beneficiaries pay no monthly fee.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Chequing Account
3. Account: The Intermediate
- Standard Fee
- $12.95/mo
- Free Transactions
- 30
- Max e-Transfer / Day
- $5,000
- Insurance Limit
- $100,000 per category
Account details
- The monthly account fee is waived if you maintain a minimum balance of $3,000 in your account.
- This account allows 30 free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $35,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
- UNI The Intermediate is an $11.95-per-month transaction plan with 30 included transactions and unlimited Interac e-Transfers. It covers teller, ATM, online, debit, cheque, and pre-authorized transactions. The monthly fee is waived by maintaining at least $3,000 throughout the month in the personal chequing account or associated Build-up Savings account.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Chequing Account
4. Account: The Unlimited
- Standard Fee
- $16.95/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $5,000
- Insurance Limit
- $100,000 per category
Account details
- The monthly account fee is waived if you maintain a minimum balance of $4,000 in your account.
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $35,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
- UNI The Unlimited is a $16.95-per-month transaction plan with unlimited transactions and Interac e-Transfers. Included transactions cover teller, ATM, online, debit, cheque, pre-authorized, and bill payment transactions. The monthly fee is waived by maintaining at least $4,000 throughout the month in the personal chequing account or associated Build-up Savings account.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Savings Accounts
Savings Account
Account: High-Yield Account
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $5,000
- Insurance Limit
- $100,000 per category
Account details
- This account allows 0 free transactions.
- Unlimited free transactions are included when a minimum balance of $25,000 is maintained. E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $35,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
- UNI High-Yield Account is a savings account with chequing privileges that includes unlimited transactions when the balance is at least $25,000. Below this threshold, most withdrawals, transfers, bill payments, pre-authorized payments, and direct payments cost $1.50 each, while deposits and direct deposits are free.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Savings Account
Account: HIGH-YIELD ACCOUNT
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $5,000
- Insurance Limit
- $100,000 per category
Account details
- This account allows 0 free transactions.
- Unlimited free transactions are included when a minimum balance of $25,000 is maintained. E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $35,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
Deposit Insurance
Deposits are insured by the Canada Deposit Insurance Corporation (CDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $5,290M | +0.5% | +1.0% |
| Loans | $4,331M | +2.8% | +14.6% |
| Deposits | $4,310M | +2.4% | +2.6% |
| Loan-to-Deposit Ratio | 100.5% | — | — |
| Mortgages + HELOCs | $2,954M | +7.1% | +25.6% |
| Securities | $478M | -1.4% | -45.7% |
| Revenue | $195M | +14.7% | +1.6% |
| Efficiency Ratio | 93.7% | — | — |
| Target Members / Region | Francophone and Acadian communities of New Brunswick | — | — |
UNI Financial Cooperation Deposits, Loans and Revenue in the Past 5 Years
For deeper insights into all Canadian lenders, subscribe to our comprehensive Lenders Report, with plans starting at just $100 per month.
Contact
If you're from UNI Financial Cooperation and would like to add or update information on this page, please fill out the form.
Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA® does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.