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NO-FEE ACCOUNT

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
STUDENT LINE OF CREDIT

A safety cushion

The student line of credit is the perfect solution for meeting all your financial needs so you can focus on your studies with peace of mind. You can conduct transactions anytime via AccèsD.

The student line of credit is an essential tool that you can use to cover:

  • your tuition and registration fees
  • essential living (housing, clothing, etc.) and transportation expenses
  • the cost of textbooks, school supplies and computer hardware
  • even airfare for your next trip

 

How much* can you get? 

Level of studies

Amount available*
(based on level and duration of studies)

Vocational training / college

$9,000 à $12,000

University / MBA, MSc

$25,000 à $69,000

For school enthusiasts!

Accounting, chiropractic, veterinary medicine, podiatry, law, engineering, pharmacology, actuarial studies, optometry, pharmacy, medicine, dentistry

$80,000 à $250,000

 

* Obviously, certain conditions apply. The amounts indicated may vary depending on your financial situation and field of study and the duration of your program. But beyond the legal aspect of these conditions, we recommend that you borrow as little as possible to avoid having to pay for your education until you retire. After all, at any time, you can reassess your needs and we can readjust our offer.

CREDIT CARDS

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.

CASH BACK Card
Vocational training / college and university (including MBA and MSc)

  • Interest rate: 19.9%
  • Annual fee: None
  • Cash back: up to 1% on your purchases
  • Personalize your card with your photo of choice
  • Mobile device insurance

Card features you'll like the most

Card image personalization

Show your colours by using the photo of your choice.
Cash back

Earn on your everyday purchases.
Travel Insurance

For the first 3 days of your trips.
 

 

ODYSSEY GOLD Card
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).

SCHOLARSHIP

Reaching my dreams

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. Please note that only one entry is accepted per person.

* 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.

Date 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 to postsecondary students.

2018 scholarship recipients

NORTHEAST AREA
Jennifer Arseneau-Doiron, Pokemouche
Tommy Basque, Tracadie-Sheila
Joanie Benoit Savoie, Bathurst
Annabelle Branch, South Tetagouche
Michelle Bujold, Néguac
Sabrina Chiasson, Brantville
Tina Chiasson-Légère, Rang-Saint-Georges
Julie Anne Comeau, Néguac
Anyssa Doiron, Saumarez
Patrick Fournier, Tracadie-Beach
Mary Francis-Savoie, Burnt Church
Amélie Sylvie Gauvin, Landry-Office
Alexandra Gauvin, Shippagan
Mylene Gionet, Beresford
Genevieve Gionet, Petit-Rocher
Vickie Godin, Maisonnette
Samuel Haché, Grande-Anse
Shania Haché Blanchard, Saint-Isidore
Nathan Joly, Bertrand
Yannick Landry, Anse-Bleue
Christina Landry, Caraquet
Janie Landry, Caraquet
Justin LeBouthillier, Village-Saint-Laurent
Hélène LeBreton, Tracadie
Véronique Losier, Saumarez
Lise Mallet Roussel, Baie-du-Petit-Pokemouche
Vanessa Power, Bas-Caraquet
Sébastien Power, Pokemouche
Laurence Robichaud, Beresford
Sophie Rousselle, Tracadie-Sheila
Josée Thériault, Allardville
NORTHWEST AREA
Patrick Boutot, Baker-Brook
Félix Couturier, Verret
Melissa Cyr, Glencoe
Gabrielle Desjardins, Kedgwick
Brandy Francoeur, Saint-Basile
Michelle Healey, Edmundston
Maëlle Lefebvre, Edmundston
Claudie Levesque, Balmoral
Nicholas Martin, Edmundston
Julie-Pier Moreau, Saint-Quentin
Maggie Cindy Oakes, Saint-François-de-Madawaska
Marielle Ouellette, DSL de Drummond
Fanny Pineault, Saint-Quentin
Cory Rossignol, Saint-Léonard-Parent
Dannick Mathieu Tétrault, Saint-Quentin
Charles Thériault, DSL de Drummond
Andréa Violette, Edmundston
SOUTHEAST AREA
Nadia Anderson, Shediac Bridge
Marie-Pier Arseneau, Moncton
Marianne Arseneau, Fredericton
Sylvie Bourgeois, Memramcook
Mathieu Breau, Shédiac
Marianne Brideau, Dieppe
Véronique Cyr, Dieppe
Pierre-Luc Després, Cocagne
Maryse Andrée Gagnon, Moncton
Danièle Gallant, Grande-Digue
Geneviève Gallant, Dieppe
Renée Gaudet, Rogersville
Yannick Girouard, Dieppe
Renelle Hébert, Saint-Louis-de-Kent
Danika Hébert, Rogersville
Alison Landry, Moncton
Britney LeBlanc, Shediac River
Emilie LeBlanc, Moncton
Guillaume LeBlanc, Moncton
Émilie LeGoff, Aldouane
Mélanie Madore, Moncton
Ève Mallet Gauthier, Dieppe
Emmanuelle Martin, Fredericton
Jacob Moreau, Moncton
Thierry Perreault, Berry Mills
Monica Poirier, Cocagne
Christelle Poirier, Shédiac
Francis Robere, Bouctouche
Dominique St-Jean, Grand-Barachois
Robin Taylor, Saint-Louis-de-Kent
Annick Thériault, Moncton
Kim Thériault, Moncton
Marc-André Vienneau, Cap-Pelé

For more information

Scholarship Program
UNI Financial Cooperation
295 St-Pierre Boulevard West
P.O. Box 5554
Caraquet NB E1W 1B7

Telephone: 506-726-4767 | 1-800-561-6127
E-mail: gisele.robichaud@acadie.com

BUDGETING

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

FREQUENTLY ASKED QUESTIONS

FAQ/Advice

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

CREDIT

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?

Insurance

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

Budget

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:

For more information

Contact us
Make an appointment