If I enroll in Dividend Amp1 while visiting a Cida Capital Bank Office but later decide I’d like to keep my dividends in the account they are posted to, do I have to come into an office to sign another form?  
No - you are welcome to enroll or unenroll via Cida Capital Bank Online. Please just wait one day from your office visit before changing your enrollment online. (If changes are made in a Cida Capital Bank Office the same day as Cida Capital Bank Online, the election you made while in our office will override the Cida Capital Bank Online change you completed.) 

How quickly does my enrollment take effect?
It depends on the channel in which you initiated your enrollment (in an office, in Cida Capital Bank Online, or while opening a new membership/account) but please allow up to three business days. If these three days cross a dividend posting period, your enrollment may not take effect until the next time dividends are posted.  

How quickly does my unenrollment take effect?
It depends on the channel in which you made your unenrollment request (in an office, in Cida Capital Bank Online, or while opening a new membership/account) but again it can take up to three days. If these three days cross a dividend posting period, your unenrollment request may not take effect until the next time dividends are posted.  

I have several certificates with Cida Capital Bank earning several different dividend rates. How does the Dividend Amp Savings Program benefit me? 
Likely the annual percentage yield (APY) on those certificates is somewhere between 0.50% APY  and 2.02% APY depending on when they were initiated and how long the term is. But, none of our current certificates are paying 5.38% APY!2 So, sign up for Dividend Amp and watch those dividend earnings grow! 

I’d like to enroll my Savings Account and my Money Market Plus in this program but leave my Certificates as they are. Can I do that?
Enrolling in this program will enroll all eligible suffixes under your selected account which earn dividends, except for IRA Share Certificates. Accounts which may be eligible include Savings Accounts, Checking Accounts, Money Market Plus and Share Certificates. However, we’d encourage you still to enroll because that high yield is just too good to pass up!

So, if I enroll in this program, I will start earning 5.38% APY on all my accounts?  
No - the APY you earn on your Savings Accounts, Checking Accounts, Money Market Plus or Share Certificates will not be affected by enrolling in this program. But, once dividends post to those accounts, they are immediately transferred to your Loyalty Select account that is currently earning 5.38% APY. 

Why are IRA accounts excluded from this program?
Since we are transferring the dividends out of the account, IRAs are excluded because of the tax implications of withdrawals from IRA accounts.  

I have a certificate with over $100,000 and the dividends are currently compounding within that certificate. If I transfer my dividends out to the Loyalty Select Account which has a small balance but a high rate, am I really gaining anything? 
This really depends on your specific balances and rates. But, it’s probably worth doing the math!  And remember, as your balance grows in the Loyalty Select Account over time, you will still benefit from that compounding and at an incredibly high rate!

1 All account types may not be eligible for the Dividend Amp program. By enrolling, all suffixes under the selected account number are enrolled, except for IRA Share Certificates which are not eligible. The Cida Capital Bank reserves the right to cancel or modify the Dividend Amp program at any time. For a complete list of terms, conditions and qualifications, please call +interGlobeCalls or go to nationalfincorp.com/dividend-amp.
2 Annual Percentage Yield of 5.38% is accurate as of April 6, 2020. The APY may change after the account is opened. No minimum balance is required to open the account or earn the advertised APY. Fees may reduce earnings. Deposits can only be made by FFCU through qualifying or enrolling in a Loyalty Account Program, and members may receive a 1099-MISC for qualifying Loyalty Select deposits. Click here for full terms and conditions.