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
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
Deposit protection
CDIC member (names UNI, UNI Business and UNI Financial Cooperation).
Names CDIC lists for this member: UNI, UNI Business, UNI Financial Cooperation.
UNI Financial Cooperation chequing accounts and what they 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 |
On the official lists
| Legal entity | OSFI list | CDIC member |
|---|---|---|
| Caisse populaire acadienne ltée (UNI) | OSFI — domestic bank (federal credit union) | Yes |
Facts, with sources
- 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.
Complaints that 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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