Servicemembers Civil Relief Act (SCRA)
Protecting those who protect us
The Servicemember Civil Relief Act (SCRA) provides legal and financial protection to eligible active duty servicemembers and in some cases, their dependents. While some protections are automatically applied, SECU requires you to request the interest rate cap and to inform us of your active-duty status.
See the details below for more information on SCRA. If you have additional questions, you can contact us by email at secuconsumerservicing@secumd.com or by phone at 800-879-7328.
Please note: SECU does not provide legal advice regarding SCRA.
SCRA information and details
Who may be eligible?
Servicemember who have entered federal military service; including active duty member of the U.S. Army, Navy, Air Force, Marine Corps, or Coast Guard; active member of the Reserve and National Guard; Reservists called to duty under federal orders for more than 30 consecutive days; or active duty commissioned officer of the Public Health Service or the National Oceanic and Atmospheric Administration. State law may provide similar benefits based on the type of military service.
SCRA rights may be requested by anyone holding a valid power of attorney for the servicemember. SECU uses the Department of Defense DMDC to validate active-duty information on servicemembers.
What accounts may be eligible?
The SCRA provides benefits on loans that were opened prior to the start of military service. Examples include:
- Auto loans
- Mortgages and HELOC’s
- Personal loans or lines of credit
- Credit cards
- Certain business loans
- Federal and privately funded education loans
What military orders should I provide?
To request benefits, you must provide SECU with a copy of your military orders or other documents that verify the orders are yours. Examples of military orders (or letters) include:
- Military orders calling the servicemember to active duty;
- Any other appropriate indicator of active military service (Permanent Change Station, Temporary Change Station, travel orders, enlistment orders, delayed enlistment program orders, DD -214, etc.); or
- Certified letter from a commanding, personnel officer, or unit-readiness non-commissioned officer.
How do I request an interest rate cap?
Requests for the interest rate cap benefit must be made no later than 180 days after the date of a servicemember’s termination or release from military services. For your convenience, complete the Servicemembers Civil Relief Act (SCRA) Interest Rate Cap Request Form and submit it with military orders, as outlined above to request the interest rate cap.
