Student offer

This account no-fee helps post-secondary students make regular transactions and build savings. Even if you're getting financial assistance in the form of a loan or bursary, it's possible to limit your spending and put money aside.

NO-FEE ACCOUNT for the entire time you're in school:

  • Unlimited transaction plan
  • Access your account anytime, anywhere via AccèsD on your phone or computer
  • Unlimited free Interac® e-Transfers

With you when it matters!

If the financial assistance available to you (scholarships, parents, government, etc.) isn’t enough, our line of credit is here to help!

It could be the missing puzzle piece you’re looking for. The student line of credit is designed to meet your financial needs so you can pursue your studies with peace of mind.

We recommend borrowing as little as possible to avoid paying for your education until you retire!

The student line of credit can be used to cover:

  • Tuition
  • Registration fees
  • Living expenses (rent, clothes, groceries, etc.) and transportation costs
  • Books, school supplies, and computer equipment
  • Unexpected costs (car repairs)

Amounts available

* Obviously, certain conditions apply. The amounts indicated may vary depending on your financial situation and field of study and the duration of your program. After all, at any time, you can reassess your needs and we can readjust our offer.


An essential tool

A credit card is an excellent way to build your credit. The credit card is the perfect tool for simplifying a student's life. As a payment method that's accepted just about anywhere, it can prove handy provided that you limit yourself to what you can afford. We have a variety of cards that are perfect for students.

Vocational training / college and university (including MBA and MSc)

  • Interest rate: 19.9%
  • Annual fee: None
  • Cash back: up to 1% on your purchases
  • Mobile device insurance

Card features you'll like the most

Cash back

Earn on your everyday purchases.
Travel Insurance

For the first 3 days of your trips.


Specific professional fields*

All-inclusive travel insurance.

  • Interest rate: 19.9%
  • Annual fee: No annual fee for the first 2 or 3 years1
  • Rewards program: 1% of your purchases in BONUSDOLLARS
  • Comprehensive travel insurance for up to 60 days
  • Annual bonus of 110 BONUSDOLLARS for 2 or 3 years2

Card features you'll like the most

BONUSDOLLARS Rewards Program

Turn your purchases into trips, gift rewards and more.
Travel Insurance

Get comprehensive travel insurance.
Mobile Device Insurance

Protect your cellphone, smartphone or tablet.

* medicine, dentistry, optometry, actuarial science, engineering, pharmacology, law, chiropractic, veterinary medicine, podiatry or CPA accounting.

1 No annual fee for the first 3 years plus an annual bonus of 110 BONUSDOLLARS (total value $330 for students in medicine, dentistry or optometry).

2 No annual fee for the first 2 years plus an annual bonus of 110 BONUSDOLLARS (total value $220 for students in actuarial science, engineering, pharmacology, law, chiropractic, veterinary medicine, podiatry or CPA accounting).


Reaching my dreams, my ambitions

Need a hand getting a little further?

UNI offers the opportunity to earn a scholarship in the pursuit of your college or university studies.

How to apply

To apply, fill out the online form* between January 15 and March 31
(only one entry is accepted).

* This form takes about five minutes to complete. Please be sure to have all required information at hand, as it is not possible to save the form and finish completing it later. When you submit your completed form, a confirmation message will be sent to the e-mail address you have provided.

Dates to remember

  • March 31 - Application deadline
  • April - Scholarship draw
  • May - Announcement of winners
  • Mid-October - Scholarship disbursement

Eligibility criteria

The student must be a member of UNI Financial Cooperation.

The student must graduate from high school during the year and/or be enrolled full-time at a postsecondary educational institution designated by the Government of Canada.

Scholarships available

A number of $1,000 scholarships are awarded each year.


Congratulations to our scholarship recipients and continued success in your postsecondary studies!

Antonin Albert, Saint-Simon
Roxanne Albert, Saint-simon
Cédric Allain, Néguac
Laurence Allain, Tracadie-Sheila
Erika Beaudet, Beresford
Benoit Bourque, Caraquet
Marc-Olivier Breau, Tabusintac
Danica Brideau, Alderwood
Michelle Bujold, Néguac
Jean Clément, Tracadie-Sheila
Marissa Li Qin Doiron, Grande-Anse
Andréanne Ferron, Saint-Pons
Mélissa Frenette, Dunlop
Julie Gallien, Saint-Simon
Amelie Gauvin, Saumarez
Gabrielle Gionet, Caraquet
Natasha Gionet-Youssef, Caraquet
Kimi Godin, Néguac
Olivier Jacob Godin, Pont-Landry
Sarah-Maude Hébert, Shippagan
William LeBreton, Paquetville
Roxanne Levesque, North Tetagouche
Zoé Maigret, Caraquet
Christelle Mbepkeu Batah, Bathurst
Julie-Pier McGraw, Pokemouche
Josée McLaughlin, Fairisle
Jenny Morrison, Robertville
Audrée Robichaud, Le Goulet
Gabrielle Robichaud, Inkerman
Sara Savoie, Bathurst
Noemie Sonier, Tracadie-Sheila
Chloe Allain, Edmundston
Gabrielle Beaupré, Saint-Léonard Parent
Marie-Pier Boudreau Savoie, Campbellton
Alexandra Caron, Edmundston
Alexandre Guérette, Edmundston
Shanie Kavanaugh, Grand Falls
Noah Laforge, Grand-Sault
Dylan Lang, Saint-Jacques
Pascal Laurencelle Dumont, Eel River Dundee
Maëlle Lefebvre, Edmundston
Natacha Michaud, Grand-Sault
Sebastien Morneault, Edmundston
Yannick Ouellet, Edmundston
Carolyne Ouellette, DSL Drummond
Maxyme Ouellette, Lac Baker
Anna-Maude Rousselle, Kedgwick
Arianne Martine Savoie, Saint-Quentin
Eya Affes, Moncton
Anicia Breau, Cocagne
Txentchela Brun, Cormier Village
Sophie Cormier, Saint-Antoine
Véronique Cormier, Irishtown
Maude Couturier, Fredericton
Chloé Dallaire, Bouctouche
Natalie Fleming, Moncton
Marie Christine Gendron, Dieppe
Samuel Girvan, Moncton
Jenna Landry, Shédiac
Madeleine Landry, Moncton
Michelle Landry, Saint-Louis-de-Kent
Marilou Larocque, Dieppe
Erica LeBlanc, Memramcook
Gabrielle LeBlanc, Dieppe
Josée LeBlanc, Grand-Barachois
Marie-Josée LeBlanc, Baie-Sainte-Anne
Renée LeBlanc, Dieppe
Nicolas Leclerc, Ammon
Kayla Leger, Shediac Bridge
Josée Maillet, Sainte-Marie de Kent
Emmanuelle Martin, Fredericton
Malik Martin, Fredericton
Marie-Pier Mazerolle, Hanwell
Josée Mercure, Richibouctou-Village
Samuel Nadeau, Fredericton
Léa Paulin, Moncton
Danica Poirier, Grande-Digue
Josiane Poirier, Saint-Antoine Sud
Geneviève Robere, Bouctouche
Danika Thibodeau, Rogersville
Ariane Turcotte, Lakeville

A must

Establishing a budget is definitely the smartest way to manage your finances while completing a postsecondary education as well as an essential lifelong tool.

Did you know that the average student debt in New Brunswick is $35,200? This puts N.B. in first place across Canada!

Here is a budgeting tool to help you determine whether you have enough money coming in to cover what is going out.

My budget

* The average debt level on completion of studies is nearly $35,200 in N.B. The province ranks first in this regard, ahead of Nova Scotia ($30,440) and well above the national average ($22,300).
Source: Consolidated Credit Counseling Services



Tuition fees

On average, students in N.B. owe $35,200 at graduation, or 58% higher than the national average.*
* The average debt level on completion of studies is nearly $35,200 in N.B. The province ranks first in this regard, ahead of Nova Scotia ($30,440) and well above the national average ($22,300). Source: Consolidated Credit Counseling Services


Lines of credit

A line of credit is pre-approved credit. What can get people into trouble is treating it the same as money in their pockets. A line of credit is offered based on your needs, financial situation and ability to repay. In addition, you pay only the interest on the amount actually borrowed. You can conduct transactions anytime via AccèsD. For more information on student lines of credit, please contact us.
UNI offers lines of credit to students based on their field of study. You consequently need to meet with an advisor to identify the best option for you.
A line of credit is like a cushion always there for you to land on; although you don?t want to have to use it, it's there when you need it. Used wisely, it can also help you build your credit. This makes it the perfect solution for meeting all your financial needs so you can focus on your studies with peace of mind.

Credit cards

It's the perfect tool for simplifying a student's life. As a payment method that's accepted just about anywhere, it can prove handy provided that you limit yourself to what you can afford. It's also a good way to build your credit if you use it wisely and always make your payments on time.
Yes; the options vary depending on your field of study:
  • Cash Back Card: university, MBA, MSc, college, vocational training
  • Odyssey Gold Card: specific professional fields*
* Accounting, chiropractic, veterinary medicine, podiatry, law, engineering, pharmacology, actuarial studies, optometry, pharmacy, medicine, dentistry.
It all depends on which card you choose. From cash back on your purchases to travel insurance, mobile device insurance or discounts, each card offers its own advantages. View the cards available.
Line of credit Credit card
  • Lower rate than credit cards
  • Linked directly to chequing account
  • An option in case you run short on funds
  • Flexible source of funds that is accessible anytime
  • Rewards system
  • No transaction fees
  • Use to make online purchases
  • Travel and mobile device insurance
  • How do I go about building my credit?
  • What factors can affect my credit rating?
  • What are the advantages of having good credit?
  • Is budgeting necessary?
  • How do I know how much I should borrow?
  • Why would having a credit card at my age be a good idea for building credit?


Do I need to insure...

Some landlords require that students purchase tenant insurance for their apartment. Even if insurance is not mandatory, it?s still a wise precaution against risk of fire or theft. The costs of such events can be devastating, making it important to be well prepared.
Whether life or disability insurance, arranging coverage for a loan provides protection in terms of releasing you from the financial obligations of your loan in the event of death, disability or diagnosis of a critical illness.

Student loan

The Government of New Brunswick makes various aid programs available to postsecondary students in the province, including student loans, bursaries and tuition relief. The following document provides all the information you need to be aware of and understand each of the programs and services offered by the government. Financial aid


Setting up a budget is much less complicated than you might think, and the benefits are enormous. A budget helps you to achieve your financial goals, identify your priorities, reduce your indebtedness, enjoy greater financial security and worry less.

First of all, you need to set financial goals that are achievable and motivating. Next, it's important to list all income and expenses in detail to help you establish an effective, realistic budget. Lastly, you need to compare your income and expenses and identify any necessary adjustments so you can reach your objectives.

Employment insurance

Yes! You may be eligible if you:

  • graduated from high school more than one year ago
  • are accepted into a government program for students
  • meet the general eligibility requirements for employment insurance*
  • are enrolled full-time in a postsecondary training program
  • For more information, you should meet with an employment counsellor in your region or click the following link: New Brunswick Employment Insurance (NB-EI) Connect Program

*Certain conditions apply, but it is possible to collect employment insurance while completing postsecondary studies.

Manage my finances online with AccèsD:


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