About TD Bank SCRA Benefits

TD Bank is one of the ten largest banks in the United States, with a strong presence on the East Coast. If you have a TD Bank credit card, personal loan, or auto loan that was opened before entering active duty, you're entitled to the 6% interest rate cap under SCRA.

TD Bank has a dedicated military assistance team that processes SCRA requests. Their processing time is typically faster than average.

Products Covered

  • Credit Cards - TD Cash, TD Double Up, TD First Class
  • Personal Loans - Unsecured personal loans
  • Auto Loans - TD Auto Finance vehicle loans
  • Home Equity - HELOCs and home equity loans

How to Request SCRA Benefits

  1. Call TD Bank Customer Service
    Contact 1-888-751-9000 and ask for the military/SCRA assistance department.
  2. Submit military orders
    Fax to 1-866-261-8586 or mail to the address below. Include all account numbers.
  3. Request retroactive refund
    Ask specifically for a refund of interest charged above 6% since your active duty start date.
  4. Follow up
    Check your next statement to confirm the rate reduction has been applied.

Required Documents

  • Copy of military orders showing active duty start date
  • Account number(s) for all TD Bank products
  • Written SCRA request letter (recommended)
  • Contact phone number and email

Contact Information

Phone

1-888-751-9000

Fax

1-866-261-8586

Mail

TD Bank, N.A.
Attn: SCRA Department
P.O. Box 1377
Lewiston, ME 04243-1377

What to Expect

  • Processing typically takes 7-14 business days
  • Rate reduction applies retroactively to your active duty date
  • Excess interest credited to your account or refunded
  • Written confirmation once complete

Pro Tip

TD Bank has multiple customer service lines for different products. The main number above can route you appropriately, but if you have a TD Auto Finance loan specifically, they may have a dedicated line. Ask for transfer to the SCRA team.