Account scope
Cards, auto, personal, home equity, mortgages, and other collateral loans
The debt generally must predate qualifying service. Deposit accounts and accounts opened during service should not be folded into the rate claim.
USAA Federal Savings Bank
USAA
Quick answer
USAA SCRA overview
USAA says qualifying pre-service credit accounts may receive a 4% cap and an eligibility answer within 30 days. It lists online, upload, fax, and mail routes; mortgage ownership limits apply.
Federal protections are separate from any additional benefit offered by a bank.
Benefit and request guide
USAA publishes a 4% program, a 180-day request limit, and secure document paths.
USAA's voluntary 4% rate is account-specific. It applies to qualifying consumer credit opened before service and has a separate ownership rule for mortgages.
Deadline
Apply no later than 180 days after qualifying service ends
USAA says it cannot process an application received after that window.
Notification
Eligibility answer within 30 days
That is USAA's stated eligibility-notification timeline, not a guarantee that every account adjustment will post within 30 days.
Mortgage limit
The current owner and servicer matter
USAA says the mortgage benefit applies while USAA Federal Savings Bank owns the loan. Start with the servicer on the current statement before sending records.
Federal SCRA rule
Start with when the debt began.
Federal SCRA interest relief generally concerns qualifying debt from before military service. A bank's extra benefit can be broader or more generous, but it does not replace the federal eligibility test.
Open all federal scra protectionsExtra from USAA
1 bank extra.
Quick read. Eligibility still depends on the exact account.
4% interest-rate cap on qualifying accounts
Generally for pre-service USAA cards, auto and personal loans, home equity, mortgages, and other collateral loans held by a financially responsible primary or secondary account holder; apply within 180 days after service. The 4% mortgage benefit lasts one year after service only while USAA owns the loan—ask the current servicer if it was sold.
Contact USAA
Choose the option that matches what you need.
Each option says exactly what the bank confirms it can do.
Online request
USAA online SCRA benefits request
Begin USAA's SCRA benefits request flow. USAA says it can accept only one application at a time.
- Use for
- Qualifying USAA Federal Savings Bank consumer credit accounts
Website upload
USAA Inbox document upload
Sign in to USAA, open Inbox, choose Send documents to USAA and Upload documents, then select Banking. Begin each file name with LNSSCRA.
- Use for
- Documents requested for qualifying USAA Federal Savings Bank consumer credit accounts
- What the bank asks for
- Military documents requested by USAA, such as Title 10 or Title 32 active-duty orders, a DD214 showing active-duty service, or a commanding-officer letter on official letterhead with service dates
- File name beginning with LNSSCRA
Mobile app
USAA Mobile App document upload
Use Send documents to USAA in the mobile app, choose Banking, add the requested files, and begin each file name with LNSSCRA.
- Use for
- Documents requested for qualifying USAA Federal Savings Bank consumer credit accounts
- What the bank asks for
- Military documents requested by USAA, such as Title 10 or Title 32 active-duty orders, a DD214 showing active-duty service, or a commanding-officer letter on official letterhead with service dates
- File name beginning with LNSSCRA
Fax
800-531-5717 · Attn: LNSSCRA
Fax the completed USAA cover sheet and requested military documents with Attn: LNSSCRA.
- Use for
- Documents requested for qualifying USAA Federal Savings Bank consumer credit accounts
- What the bank asks for
- Completed USAA SCRA benefit request cover sheet
- Military documents requested by USAA, such as Title 10 or Title 32 active-duty orders, a DD214 showing active-duty service, or a commanding-officer letter on official letterhead with service dates
Mail the completed USAA cover sheet and requested military documents to the address listed by USAA.
- Use for
- Documents requested for qualifying USAA Federal Savings Bank consumer credit accounts
- What the bank asks for
- Completed USAA SCRA benefit request cover sheet
- Military documents requested by USAA, such as Title 10 or Title 32 active-duty orders, a DD214 showing active-duty service, or a commanding-officer letter on official letterhead with service dates
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