About UNI Financial Cooperation
Federally chartered credit union headquartered in Caraquet, New Brunswick, founded in 1936 and serving primarily Acadian and Francophone communities. Legally Caisse populaire acadienne ltée, it became Canada's first federal credit union on July 1, 2016 and operates about 35 branches across New Brunswick.
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Access: Membership required · Open common bond
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Open an account at a branch or online at uni.ca.
Notes: Federal credit union — eligibility treated as national per project convention for federal CUs, though branches are NB-only.
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.00% |
| 2-year GIC | 3.20% |
| 3-year GIC | 3.25% |
| 4-year GIC | 3.30% |
| 5-year GIC | 3.55% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRESPRDSPRRIFTFSAFHSALIRALIFLRIFDPSP | N | — | At maturity | $1k+ · $500+ reg | 3.00% |
| 2 years | Non-regRRSPRESPRDSPRRIFTFSAFHSALIRALIFLRIFDPSP | N | — | At maturity | $1k+ · $500+ reg | 3.20% |
| 3 years | Non-regRRSPRESPRDSPRRIFTFSAFHSALIRALIFLRIFDPSP | N | — | At maturity | $1k+ · $500+ reg | 3.25% |
| 4 years | Non-regRRSPRESPRDSPRRIFTFSAFHSALIRALIFLRIFDPSP | N | — | At maturity | $1k+ · $500+ reg | 3.30% |
| 5 years | Non-regRRSPRESPRDSPRRIFTFSAFHSALIRALIFLRIFDPSP | N | — | At maturity | $1k+ · $500+ reg | 3.55% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 2-year | Fixed | Closed | No | 4.79% |
| 3-year | Fixed | Closed | No | 4.69% |
| 4-year | Fixed | Closed | No | 4.69% |
| 5-year | Fixed | Closed | No | 4.94% |
| 5-year | Fixed | Closed | Yes | 4.74% |
| Residential Mortgage LoanFixed · conventional · 6-month to 10-year terms | ||||
| 6-month | Fixed | Open | No | 9.75% |
| 1-year | Fixed | Open | No | 9.50% |
| 6-month | Fixed | Closed | No | 6.09% |
| 1-year | Fixed | Closed | No | 5.49% |
| 2-year | Fixed | Closed | No | 5.24% |
| 3-year | Fixed | Closed | No | 6.05% |
| 4-year | Fixed | Closed | No | 5.99% |
| 5-year | Fixed | Closed | No | 6.09% |
| 6-year | Fixed | Closed | No | 6.39% |
| 7-year | Fixed | Closed | No | 6.39% |
| 10-year | Fixed | Closed | No | 6.79% |
| Protected variable rateVariable · closed · conventional | ||||
| No set term | Variable | Closed | No | 4.40% |
| No set term | Variable | Closed | No | 4.70% |
| Reduced variable rateVariable · closed · conventional | ||||
| No set term | Variable | Closed | No | 4.00% |
| No set term | Variable | Closed | No | 4.45% |
No mortgage rates match these filters.
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