Servicemembers Civil Relief Act
Protection for Those Who Protect Us
Protection for Those Who Protect Us
SCRA offers benefits and peace of mind so you can stay focused on the job at hand. Learn what may be available to you.
What Is SCRA?
The Servicemembers Civil Relief Act (SCRA) provides legal and financial protection to eligible active duty servicemembers.
It includes benefits such as a 6% interest rate cap and foreclosure protections. The following individuals are eligible for protection under SCRA:
- All branches of the military (Army, Marine Corps, Navy, Air Force and Coast Guard)
- Reservists called to active duty
- National Guard with qualifying federal active service*
- Commissioned officers of the Public Health Service in active service
- Commissioned officers of the National Oceanic and Atmospheric Administration in active service
*National Guard may be eligible for SCRA when the service is authorized by the President or the Department of Defense in response to a federally-funded and President-declared emergency that lasts for more than 30 consecutive days.
Are My Accounts Eligible for SCRA?
Your Navy Federal account(s) may be eligible for SCRA benefits if they were opened before you started active duty.
- Consumer loans
- Mortgages (including Home Equity Lines of Credit)
- Checking Lines of Credit
- Credit cards
- Business loans
- Federal and privately funded education loans
You must request SCRA benefits from us no later than 180 days after your active duty end date.