Eligible debts
Listed debts incurred before Active Duty
Navy Federal lists credit cards; auto, personal, student, and business loans; checking lines of credit; first mortgages; and home-equity loans and lines.
Navy Federal Credit Union · NCUA-insured credit union
Navy Federal Credit Union
Quick answer
Navy Federal Credit Union SCRA overview
Eligible Navy Federal debts in the listed product categories that were incurred before Active Duty may qualify for a 4% rate cap. Apply within 180 days after Active Duty ends and submit through secure eMessage, fax, or at a branch. Confirm the mailing address before mailing anything because Navy Federal's SCRA webpage and March 2026 form list different P.O. boxes.
Federal protections are separate from any additional benefit offered by a credit union. Membership eligibility and SCRA eligibility are also separate tests.
4% rate cap and application
A 4% cap may apply to eligible debts incurred before Active Duty.
Navy Federal lists the eligible product types and three ways to submit an application: eMessage, fax, or a branch. Its SCRA webpage and March 2026 form list different P.O. boxes, so confirm the address before mailing.
Deadline
Apply no later than 180 days after Active Duty ends
Navy Federal says the application must reach it within that post-service window; additional records may be requested during review.
Submit
Use eMessage, fax, or a branch
Send the completed application and supporting documents through online or mobile eMessage, fax them to SCRA Servicing, or bring them to a branch.
Questions
Call the SCRA team for help
Navy Federal lists this number for questions. Submit the application and documents through eMessage, fax, or at a branch.
Confirm the address before mailing
Navy Federal's SCRA webpage lists P.O. Box 3302, while its March 2026 form lists P.O. Box 3000. Call to confirm the correct address or use another submission option.
Federal SCRA rule
Start with when the debt began.
Federal interest relief generally concerns qualifying debt from before military service. A credit union's extra benefit may be more generous, but it does not replace the federal eligibility test.
Open the federal interest guideExtra from Navy Federal Credit Union
1 verified extra.
Quick read. Eligibility still depends on the exact account and current terms.
4% cap on eligible debts incurred before Active Duty
Eligible products include credit cards; auto, personal, student, and business loans; checking lines of credit; first mortgages; and home-equity loans and lines. Apply within 180 days after Active Duty ends. Submit through eMessage, fax, or at a branch. Confirm the mailing address with Navy Federal before sending anything by mail.
Federal timing and institution process
Apply within 180 days, then use eMessage, fax, or a branch.
Navy Federal says to apply within 180 days after Active Duty ends. It may ask for additional proof of military status while reviewing the application.
How Navy Federal Credit Union says to request help
- 180-day post-service application deadline
- Navy Federal says it needs the SCRA application no later than 180 days after Active Duty ends.
Use secure eMessage, the published fax, or a branch. Navy Federal's webpage and March 2026 form list different P.O. boxes, so confirm the address before mailing.
Contact Navy Federal Credit Union
Choose the option that matches what you need.
Each option says exactly what the credit union confirms it can do.
Secure eMessage
Mobile app or online banking; subject Attn: SCRA
Send the completed application and supporting documents through secure eMessage.
- Use for
- Credit cards; auto, personal, student, and business loans; checking lines of credit; first mortgages; and home-equity loans and lines
SCRA Servicing fax
1-800-550-8601
Fax the completed application and supporting documents; mark it Attn: SCRA Servicing.
- Use for
- Credit cards; auto, personal, student, and business loans; checking lines of credit; first mortgages; and home-equity loans and lines
Navy Federal branch
Find a Navy Federal branch
Bring the completed application, supporting eligibility documents, and a valid photo ID to a branch.
- Use for
- Credit cards; auto, personal, student, and business loans; checking lines of credit; first mortgages; and home-equity loans and lines
SCRA questions
1-800-531-7174, ext. 48665
Call for additional SCRA questions. Applications and documents go through eMessage, fax, or a branch.
- Use for
- Questions about Navy Federal SCRA review
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