Overview

As a military-focused financial institution, USAA has one of the most streamlined SCRA processes. They often automatically apply benefits when they detect active duty status, but you should still verify.

Military-Friendly Advantage

USAA frequently applies SCRA benefits automatically when they receive notification of your active duty status. However, always verify your rate has been reduced and request retroactive refunds if needed.

Contact Information
Member Services
1-800-531-8722
Online
usaa.com → My Account → Military Benefits

Eligible Products

  • Credit Cards: All USAA credit cards
  • Auto Loans: Vehicle financing
  • Mortgages: Home loans
  • Personal Loans: Unsecured lending
  • Insurance: Some premium benefits (separate from SCRA)

How to File

Step 1: Log into usaa.com and navigate to "My Account" then "Military Benefits."

Step 2: Update your military status with active duty dates if not already on file.

Step 3: USAA typically applies benefits within 14 days.

Step 4: Call Member Services to confirm rate reduction and request retroactive refunds.

Have Other Lenders Too?

While USAA is military-friendly, your other lenders may not be as easy. SCRA Saver handles them all.

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