Overview

USAA is the premier military-focused financial institution. They understand SCRA thoroughly and process requests quickly. Most members find USAA proactively applies benefits.

Contact Information
Member Services
1-800-531-8722
Mailing Address
USAA
9800 Fredericksburg Road
San Antonio, TX 78288

Eligible Products

USAA offers SCRA benefits on the following products when the account was opened before your active duty service began:

  • Credit Cards: All USAA credit cards
  • Mortgages: USAA home loans
  • Auto Loans: Vehicle financing through USAA
  • Personal Loans: Unsecured personal loans

How to File Your Claim

  1. 1

    Log Into USAA.com

    Access your account and navigate to military benefits.

  2. 2

    Submit Orders

    Upload your military orders through the portal.

  3. 3

    Automatic Processing

    USAA often proactively applies SCRA benefits.

Required Documents

Document Checklist
Military Orders — Showing active duty start date

Processing Time

USAA typically processes SCRA requests within 14-21 days. You'll receive written confirmation once approved.

Retroactive refunds: If approved, USAA 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
  • USAA often applies benefits automatically
  • Check your account regularly—benefits may already be applied
  • USAA has the best military support in the industry

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