Overview

Navy Federal Credit Union is the largest credit union in the US and exclusively serves military members. They understand SCRA well and process requests efficiently.

Contact Information
Member Services
1-888-842-6328
Mailing Address
Navy Federal Credit Union
P.O. Box 3000
Merrifield, VA 22119-3000

Eligible Products

Navy Federal Credit Union offers SCRA benefits on the following products when the account was opened before your active duty service began:

  • Credit Cards: All Navy Federal credit cards
  • Mortgages: Home loans and refinances
  • Auto Loans: Vehicle financing
  • Personal Loans: Signature loans and lines of credit

How to File Your Claim

  1. 1

    Log Into Navy Federal

    Access your account online or through the mobile app.

  2. 2

    Submit Orders

    Upload or mail your military orders.

  3. 3

    Request Benefits

    Complete the SCRA benefits request form.

Required Documents

Document Checklist
Military Orders — Showing active duty start date

Processing Time

Navy Federal Credit Union typically processes SCRA requests within 14-21 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, Navy Federal Credit Union will calculate all excess interest paid since your service start date and issue a refund, typically as a statement credit or check.

Tips for Success

Pro Tips
  • Navy Federal is very responsive to SCRA requests
  • Use the mobile app or online portal for fastest processing

Get the 6% Rate Cap — We File for You

We handle the paperwork, calls, and follow-ups. One $59 filing covers Navy Federal Credit Union and all your other lenders.