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.
NCUA-insured credit union
Navy Federal Credit Union
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.
Credit union membership does not establish SCRA eligibility.
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
6% cap for qualifying pre-service debt
Additional benefits from Navy Federal Credit Union
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 credit-union 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 to ask Navy Federal Credit Union for 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.