Meditation in a zen garden

A line of credit is like a safety net that follows you everywhere: you don’t necessarily want to use it, but it’s there if you need it. It’s the ideal solution for all your financial needs so you can pursue your studies with peace of mind.

Whether your ambition is to become an artist, a veterinarian or a lawyer, we offer different lines of credit to suit any field of study for the full-time post-secondary student.

How much can you get?

Check the PDF to find out your credit limit based on your level of education and its duration. 


An umbrella in case of rain

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. It’s also a great way to build a solid credit history if you’re reasonable and meet your payment deadlines. We have a variety of cards, perfect for students.

Professional and college education

  • No annual fee
  • Up to 1% cash back on your purchases
  • Purchase protection and Extended warranty
  • Interest rate: 19.9%
  • Mobile Device Insurance
  • Cash advances of up to $2,500 per day anywhere in the world
  • Three days of travel insurance at no charge
  • My look personalization service
  • Access to your account any time, anywhere, via AccèsD
  • Additional card at no charge for your spouse or another family member


The Cashback card
University, MBA, M.Sc.

  • No annual fee
  • Cashback of up to 1% on all purchases
  • Interest rate: 19.9%
  • Mobile Device Insurance
  • Three days of travel insurance at no charge
  • Discount of up to 10% on Hertz rentals anywhere in the world
  • Access to your account any time, anywhere, via AccèsD
  • Additional card at no charge for your spouse


ODYSSEY Gold card
*Specific professional fields

  • Comprehensive travel insurance of up to $5,000,000
  • Complimentary travel assistance 24/7
  • BONUSDOLLARS Rewards Program
  • Zero liability in the event of online fraud
  • No annual fee for the first three years (valued at $330) for students in medicine, dentistry or optometry
  • No annual fee for the first two years (valued at $220) for students in actuarial science, engineering, pharmacology, law, chiropractic medicine, veterinary medicine, podiatry or accounting (CPA)

*Medicine, Dentistry, Optometry, Pharmacy, Chiropractic , Veterinary medicine, Podiatry, Law, Engineering, Pharmacology, Actuarial studies, Accounting (CPA).


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.

Financial aid that you don't have to pay back is always welcome!

How to apply

To apply, fill out the online form between January 15 and March 31.
Please note that 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 email address you have provided.

Dates to remember

  • March 31 - End of application period
  • April - Scholarship draw
  • May - Unveiling of winners
  • Mid-October - Scholarship payment

Eligibility criteria

The student must be a member of UNI Financial Cooperation.

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

Scholarships available

More than $150,000 awarded annually in scholarships, each worth $1,000.

For more information

Scholarships Program
UNI Financial Cooperation
295 Saint-Pierre Blvd. West
P.O. Box 5554
Caraquet NB E1W 1B7

Telephone: 506 726-4484 | 1 800 461-1318



Government grants to students

The Canadian government also offers different student grants that can be added to your other financing tools.

For more information on the aid available, click the following links:

Search for scholarships and bursaries

Government grants



Student loans

A student loan with favourable repayment terms can also be an invaluable aid. The financial assistance offered to students by the governments of Canada and New Brunswick give eligible residents of the province access to a post-secondary education and the ability to successfully complete their studies as quickly as possible.

For more information about student loans, visit the web pages dedicated to student financial assistance and student loans.


Pay yourself

Whether you’re a student or not, one of the best financial decisions you can make is to save. Even if you’re getting financial assistance in the form of a loan or bursary, it’s a good idea to limit your expenses and put money aside. The Folio Savings Account allows post-secondary students to make regular transactions and accumulate savings.

NO-FEE account

Unlimited transaction plan

Access to your account any time, anywhere, via AccèsD

Are you a young worker? We have several plans to offer you, no matter your profile. Come and meet us. We can help you choose the one that suits you best.


Their future is also yours

The Folio Registered Education Savings Plan (RESP) lets you easily save money to finance your children’s post-secondary education. It’s a great way to invest in their future! Not only does it entitle you to a grant, but it’s also extremely flexible: you can change your beneficiary at any time, choose the amount and frequency of the contributions, and maintain control of your capital.

Other advantages

  • No application fee
  • Investment revenue is non-taxable

For more information

Contact us
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