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Service Federal Credit Union · NCUA-insured credit union

Service Credit Union

Service Credit Union SCRA overview

As of August 23, 2026, Service CU did not list a dedicated public SCRA submission route. Use secure chat or the Contact Center for account-specific instructions before sending military documents. Its military-relevant offerings include Deployed Warrior Savings, Direct Deposit+ discounts on qualifying auto, personal, and motorcycle loans, Early Pay, and an overseas Military Relocation Loan.

Credit union membership does not establish SCRA eligibility.

Military savings, loan discounts, Early Pay, and relocation financing each have different rules.

Service CU does not publish a dedicated SCRA form or submission route. Use secure chat or the Contact Center to ask where an account-specific SCRA request should go. The products below are separate from federal SCRA debt protections.

01

SCRA instructions

Ask Service CU where to send your request

Use secure chat or the Contact Center to ask which team handles your account and which secure method to use. Service CU does not identify those general contacts as SCRA request or document-submission channels.
02

Deployed Warrior Savings

Variable 10.00% APY on the first $10,000

Eligibility is limited to qualifying active-duty, Reserve, or Guard members in a Service CU-defined combat zone. Deployment orders, net-pay direct deposit, eCommunications, funding and withdrawal limits, and the post-return end date apply. The rate was dated May 1, 2026, is variable, and should be rechecked.
03

DFAS Direct Deposit+

Up to 0.75 percentage point off qualifying auto, personal, or motorcycle loans

The discount depends on the exact loan, Direct Deposit+ tier, and contract terms. DFAS direct deposit is one way to qualify; creditworthiness, floor rates, term or collateral rules, and continued tier eligibility may affect the final APR.
04

Early Pay

Up to two business days early, depending on payroll timing

Service CU credits funds when it receives payroll early; timing varies by employer, is not guaranteed, and the general checking feature is not military-exclusive.
05

Military Relocation Loan

Up to $3,000 for a qualifying overseas move

PCS or deployment orders, the 120-day application window, an overseas destination, full direct deposit, underwriting, the TDY exclusion, and the one-loan limit apply. The online link starts an application; follow it for document and approval steps.

Federal SCRA

6% cap for qualifying pre-service debt

Read the federal guide

Additional benefits from Service Credit Union

  1. Variable 10.00% APY on up to $10,000

    Qualifying active-duty, Reserve, and Guard members in a Service CU-defined combat zone must provide orders, use net-pay direct deposit and eCommunications, and follow the funding, withdrawal, and post-return timing rules. The 10.00% APY was dated May 1, 2026, is variable, and should be rechecked.

  2. Up to 0.75-point APR discount on auto loans

    A qualifying Service CU auto loan may receive the discount through the Direct Deposit+ tier; qualifying DFAS direct deposit is one way to reach that tier. Creditworthiness, loan term, collateral, the floor rate, continued tier eligibility, and the contract determine the actual APR.

  3. Up to 0.75-point APR discount on personal loans

    A qualifying Service CU personal loan may receive the discount through the Direct Deposit+ tier; qualifying DFAS direct deposit is one way to reach that tier. Creditworthiness, the floor rate, continued tier eligibility, and the contract determine the actual APR.

  4. Up to 0.75-point APR discount on motorcycle loans

    A qualifying Service CU motorcycle loan may receive the discount through the Direct Deposit+ tier; qualifying DFAS direct deposit is one way to reach that tier. Creditworthiness, loan term, collateral, the floor rate, continued tier eligibility, and the contract determine the actual APR.

  5. Direct deposit up to two business days early

    Available on Service CU Everyday or Dividend Checking with direct deposit. Timing depends on when the employer sends payroll, is not guaranteed, and is not exclusive to military members.

  6. Overseas Military Relocation Loan up to $3,000

    Available to qualifying military or civilian personnel with overseas PCS or deployment orders; TDY does not qualify. Apply within 120 days before or after the report date. Membership, full direct deposit, underwriting, creditworthiness, and the one-loan limit apply.

Contact Service Credit Union

General Contact Center

800-936-7730 (U.S.) · 00800-4728-2000 (International)

Ask which team handles the account and what the current SCRA instructions are. These are general member-service numbers, not dedicated SCRA lines.

Use for
General Service Credit Union member assistance
For questionsCall U.S. Contact Center View official contact page

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