Institution profile · Federal credit union
UNI Financial Cooperation
ActiveCaisse populaire acadienne ltéeCDIC
UNI Financial Cooperation is the trade name of Caisse populaire acadienne ltée, a New Brunswick caisse that says it was the first Canadian credit union to obtain a federal charter.
Profile facts checked October 30, 2026
Mitey files the UNI Financial Cooperation index card: cheapest everyday account $221 a year.
Is UNI Financial Cooperation a good bank for everyday banking?
UNI Financial Cooperation’s cheapest chequing account open to anyone, Personal Chequing Account (Unlimited Plan), costs $221 a year for a typical household (25 debit purchases, 6 bills and 5 e-Transfers a month), $138 below the national median of $359. Eligible deposits are CDIC-insured to $100,000 per category.
At a glance
- Legal name
- Caisse populaire acadienne ltée
- Type
- Federal credit union
- Head office
- Caraquet, NB
- Regulator
- Office of the Superintendent of Financial Institutions (OSFI) for safety and soundness; Financial Consumer Agency of Canada (FCAC) for consumer protection
- Cheapest everyday account
- Personal Chequing Account (Unlimited Plan) — $221 a year for the Everyday example
- OBSI banking cases
- 4 opened in fiscal 2025 (Nov 1, 2024 – Oct 31, 2025)
- Website
- www.uni.ca
Is my money safe at UNI Financial Cooperation?
CDIC member (names UNI, UNI Business and UNI Financial Cooperation).
Names CDIC lists for this member: UNI, UNI Business, UNI Financial Cooperation.
What do UNI Financial Cooperation’s chequing accounts cost?
UNI Financial Cooperation lists 4 chequing accounts with FCAC. For our “Everyday” example (25 debit purchases, 6 bills, 5 e-Transfers and a $1,000 low balance a month), the cheapest account open to anyone is Personal Chequing Account (Unlimited Plan) at $221 a year. Accounts limited to a group are marked.
| Account | Monthly fee and waiver | Included | Fees a year |
|---|---|---|---|
| Personal Chequing Account (Unlimited Plan) | $16.95/mo, or $0 with a $4,000 minimum balance | Unlimited | $221 |
| Personal Chequing Account (Intermediate Plan) | $12.95/mo, or $0 with a $3,000 minimum balance | 30 a month | $364 |
| Personal Chequing Account (Unlimited Plan Plus) | $29.95/mo, or $0 with a $6,000 minimum balance | Unlimited | $377 |
| Personal Chequing Account (Basic Plan) | $3.95/mo, no balance waiver | 12 a month | $494 |
- Personal Chequing Account (Unlimited Plan)$221
- Personal Chequing Account (Intermediate Plan)$364
- Personal Chequing Account (Unlimited Plan Plus)$377
- Personal Chequing Account (Basic Plan)$494
- Cheapest in Canada: Personal Account · EQ Bank$0
- Median nationwide account$359
What would UNI Financial Cooperation cost a typical household?
The cheapest UNI Financial Cooperation account open to anyone for each of our four usage profiles, against the cheapest account in Canada for the same banking. Profiles are defined in the finder.
| Profile | Cheapest at UNI Financial Cooperation | Fees/yr | Cheapest in Canada | Fees/yr |
|---|---|---|---|---|
| Light Mostly card and app, small balance | Personal Chequing Account (Basic Plan) | $155 | PC Money Account PC Financial | $0 |
| Everyday Household account, a few e-Transfers | Personal Chequing Account (Unlimited Plan) | $221 | Personal Account EQ Bank | $0 |
| Heavy Lots of card, bill and e-Transfer payments | Personal Chequing Account (Unlimited Plan) | $239 | Personal Account EQ Bank | $0 |
| Branch and cheques Teller visits, cheques, paper statement | Personal Chequing Account (Intermediate Plan) | $195 | Basic Bank Account Scotiabank | $134 |
Worked example — Personal Chequing Account (Unlimited Plan) (UNI Coopération financière), Everyday profile
| Monthly fee (not waived: needs $4,000, $3,000 more than the $1,000 low balance) × 12 | $203.40 |
| Transactions beyond the included number (0 a month) × 12 | $0 |
| Other-bank ATM access fees (1 a month) × 12 | $18 |
| Paper statements × 12 | $0 |
| Fees a year | $221.40 |
Our take
UNI Financial Cooperation is competitive: its cheapest open account costs less than the median Canadian account for everyday use. The cheapest account in Canada would save another $221 a year.
Is UNI Financial Cooperation on the official lists?
| Legal entity | OSFI list | CDIC member |
|---|---|---|
| Caisse populaire acadienne ltée (UNI) | OSFI — domestic bank (federal credit union) | Yes |
What else should you know about UNI Financial Cooperation?
- UNI states it became the first Canadian credit union to obtain a federal charter.Source: uni.ca
- UNI, UNI Financial Cooperation and UNI Business are names used by Caisse populaire acadienne ltée, head office in Caraquet.Source: cdic.ca
Your own pattern can change the order. Put your numbers into the true-cost finder to rank UNI Financial Cooperation’s accounts against everyone else’s.
How many UNI Financial Cooperation complaints reached the ombudsman?
OBSI, the ombudsman for banking, opened 4 banking cases about Caisse populaire acadienne ltee (UNI) in fiscal 2025 (Nov 1, 2024 – Oct 31, 2025), closed 3, and resolved 1 to the complainant’s satisfaction. Across all banks and credit unions, OBSI opened 5,438 banking cases that year (+113% on the year before) and 25% of closed cases ended with money paid.
Counts aren’t adjusted for size, so bigger banks have more cases. A complaint reaches OBSI only after the bank’s own process (up to 56 days). Source: OBSI Annual Report 2025, released March 13, 2026. How to complain.
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