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Comparison of federal SCRA protections and additional benefits from Capital One / Discover, Bank of America, Wells Fargo
Comparison	FDIC-insured bankCapital One / DiscoverCapital One, National Association	FDIC-insured bankBank of AmericaBank of America, National Association	FDIC-insured bankWells FargoWells Fargo Bank, National Association
FederalPossible 6% cap on debt from before serviceThe federal rate limit for qualifying debt	6% This federal protection may apply based on when the debt began and your service dates.	6% This federal protection may apply based on when the debt began and your service dates.	6% This federal protection may apply based on when the debt began and your service dates.
From the institutionLower rate from the institutionShown only when its official website describes one	Extra from the institution 4% on eligible Capital One or Discover cards, personal loans, and auto loans Capital One must own and service the eligible loan. The 4% claim is limited here to the cards, personal loans, and auto loans named by Capital One. Who it may cover: The loan must qualify for Capital One's program. Capital One must own the loan and manage the account. Ask whether your account type is covered. See accounts and conditions Account Credit Card Conditions Bank conditions apply Institution requirement Eligible Capital One or Discover account that Capital One owns and manages When it applies Program and military-service timing rules apply. Important detail Named by the bank. Account Personal Loan Conditions Bank conditions apply Institution requirement Eligible loan that Capital One owns and manages When it applies Program and military-service timing rules apply. Important detail Named by the bank. Account Auto Loan Conditions Bank conditions apply Institution requirement Eligible loan that Capital One owns and manages When it applies Program and military-service timing rules apply. Important detail Named by the bank. View on the institution's website	Extra from the institution 4% cap on eligible Bank of America home loans The home loan must be owned and managed by Bank of America. Investor-owned loans may still get the federal 6% cap, but not necessarily 4%. Who it may cover: Home loan must be both owned and managed by Bank of America and customer must qualify for military benefits. See accounts and conditions Account Mortgage Conditions Bank conditions apply Institution requirement Both owned and managed by Bank of America When it applies Military-benefit and timing requirements apply. Important detail Investor-owned loans may still qualify for the federal 6% cap but not necessarily the 4% program. View on the institution's website	Extra from the institution A reduced mortgage rate may be available Wells Fargo does not publish the exact rate, timing mechanics, or owner and servicer rules. Do not assume a rate below the federal cap. Who it may cover: Mortgage and military-status eligibility must be confirmed. The exact rate, timing mechanics, owner requirements, and servicer requirements are not published. See accounts and conditions Account Mortgage Conditions Bank conditions apply When it applies If approved, the expanded mortgage benefit may continue for up to 367 days after active duty; the public page does not state exact start and end rules. Important detail Do not infer a rate below the federal cap. View on the institution's website
From the institutionHow long the extra may lastShown only when the institution gives a time period	Extra from the institution Approved benefits last one year after active duty Approved accounts only. Benefits date back to qualifying service and last until one year after active duty; requests after that year are generally declined. Who it may cover: Only approved eligible accounts; the bank says requests are generally declined if active duty ended more than one year before the request. See accounts and conditions Account Unknown Conditions Bank conditions apply Institution requirement Approved eligible Capital One or Discover account When it applies Retroactive to qualifying service start or qualifying-orders date; remains until one year after active duty ends. Important detail Account-type timing may vary. View on the institution's website	Extra from the institution Card and installment benefits may continue six months after service Eligible cards and installment loans. The six-month extension generally covers both; continued reduced interest is stated only for cards. Who it may cover: Bank of America says this generally applies. Eligibility depends on the product and account. See accounts and conditions Account Credit Card Conditions Bank conditions apply Institution requirement Eligible Bank of America account When it applies Generally six months after active duty ends. Important detail Continued reduced interest is expressly described. Account Personal Loan Conditions Bank conditions apply Institution requirement Eligible Bank of America installment loan When it applies Generally six months after active duty ends. View on the institution's website 1 View on the institution's website 2	Extra from the institution Mortgage fee protection may be available Wells Fargo says eligible customers may receive expanded mortgage benefits for up to 367 days after active duty. Exact fees, timing, owner, and servicer rules are not published. Who it may cover: Mortgage and military-status eligibility must be confirmed. Exact fees, timing mechanics, owner requirements, and servicer requirements are not published. See accounts and conditions Account Mortgage Conditions Bank conditions apply When it applies If approved, the expanded mortgage benefit may continue for up to 367 days after active duty; the public page does not state exact start and end rules. Important detail The bank does not identify the covered fees. View on the institution's website
From the institutionOther verified benefitsFee waivers and other benefits the institution describes	3 Verified benefits found on the official website. 4% on eligible Capital One or Discover cards, personal loans, and auto loans No account fees except certain insurance charges Approved benefits last one year after active duty Open bank guide	8 Verified benefits found on the official website. Select credit-card fees waived for life Debit-card replacement fees may be waived ATM fees may be waived on eligible deposit accounts Open bank guide	9 Verified benefits found on the official website. Some family debts may qualify without the servicemember's signature Mortgage fee protection may be available Expanded mortgage foreclosure protection may be available Open bank guide
ContactWays to contact the institutionPhone, mail, fax, or online options we could confirm	4 contact options Open bank guide	6 contact options Open bank guide	6 contact options Open bank guide

Institution benefits can change. Check the linked official source before sending a request. The institution reviews your information, decides what applies, and does its own calculation.

Start with SCRA protections.See what each institution adds.

Compare any three reviewed institutions.

Start with SCRA protections.
See what each institution adds.