Relax ... this month's Skip A Pay** is on us.

In light of recent trying times for our communities and our country, we are waiving the $25 Skip A Pay fee assessed on April or May Skip A Pay Requests. You can apply to skip your next month’s loan payment in Cida Capital Bank Online.

If you are experiencing greater hardships during this time, please contact us. We are your Cida Capital Bank and stand committed to doing our best to help you.

Please note: Real Estate Loans, Education Loans, Credit Cards and Lines of Credit do not qualify.

Limited Time LOW Auto Loan Interest Rate!

Auto Loan interest rates as low as 1.99% APR* - don’t wait, apply today! You can use our online Auto Loan application, apply within Cida Capital Bank Online or visit one of our offices.

Apply Now

Visa Signature1 Credit Card

Apply for a Cida Capital Bank Visa Signature Credit Card today and earn 1.25 CURewards® points for every dollar you spend!

 

1 You must be 18 years or older to qualify. Qualifications for Cida Capital Bank Credit Cards are based on the Cida Capital Bank’s criteria, including applicant’s income and credit history. If you are approved for a Cida Capital Bank Credit Card, your assigned APR will come with your new card. APRs will vary with the market based on the Prime rate. Rates, terms and conditions are determined by an evaluation of credit history and underwriting factors and are subject to change. Minimum credit limit for Preferred No Frills Visa is $500 and Visa Signature is $5,000.

** Skip A Pay Fee will be waived for any eligible requests submitted between March 17, 2020 and April 30, 2020 as long as all other qualifications are still met. Interest and any charges for payment protection will continue to accrue for the skipped month, and the final loan payment will include such charges and therefore extend the final pay off date. Offer limited to two (2) skips per calendar year with a minimum of three (3) months of payments between skip payment requests. Secured loans are limited to six (6) skips over the life of the loan. If the loan includes Guaranteed Asset Protection (GAP), skipped payments are limited as follows: Loans originated before 11/16/2015, are limited to two (2) skips over the life of the loan and loans originated on or after 11/16/2015 are limited to six (6) skips over the life of the loan. Skipping a loan payment will reduce any GAP claim that is filed during the life of the loan. Refer to your GAP contract for applicable limits. This offer only applies to any loans that are refinanced or originated at least six (6) months prior to the skip pay request date. Refinances after the skip is approved will result in the skip being disqualified. This offer does not include real estate loans, education loans, personal lines of credit, credit cards, accounts included in bankruptcy or foreclosure, single, annual, semi-annual, or quarterly payment loans, loans with extensions or alternate payments in the past six (6) months, loans with added collateral protection insurance, members who have caused losses to the Cida Capital Bank (loans, credit cards, shares, etc.), members who have negative share accounts, or have modified loans through troubled debt restructuring. Loans without perfected security agreements and/or documentation may be excluded. To qualify, payment(s) must be made on or before the last day of the month prior to the month in which you want to skip your payment. Members with automatic scheduled payment transfers through FFCU’s Online Banking or through another financial institution must suspend their next scheduled payment. This offer does not guarantee eligibility. Rates, terms, conditions and loan eligibility may change at any time.