Step 1 of 3 · Service
Orders First compares the average APR you enter with a 6% annual rate over the covered period, using the average balance and dates you provide. The result is approximate because it does not account for every balance change, fee, refinance, service fact, or provider rule.
A lower-rate comparison appears only when the selected bank or credit union and account type match a reviewed offer.
You can prepare and download a basic federal 6% request. You sign and send it with your service documents; Orders First does not track a response.
Common questions
For qualifying debt taken on before military service, the SCRA generally limits covered interest to 6% per year during service. Amounts above the cap are forgiven, not postponed. For a qualifying mortgage, the rate period can continue for one year after service.
For this federal interest-rate benefit, written notice and proof of service must reach the creditor no later than 180 days after active duty ends. Day 180 is allowed; this workflow blocks the request on day 181. Other SCRA protections and additional bank or credit-union benefits may use different timing.
Any lower bank or credit-union rate links to its own official source.