Servicemembers Civil Relief Act

We're committed to helping servicemembers and their families

The Servicemembers Civil Relief Act, or SCRA, lets members of the military devote their full attention to their important duties and relieve stress on their families by postponing or suspending certain civil obligations. We take this responsibility seriously and are here to help.

Reduced interest rates

Eligible for a rate cap of 6% on qualifying loans and credit products.

Pause on repossessions

Qualifying loans will now be exempt from repossession for the duration of service.

No late fees

Don't stress about late or missed payments on credit cards and qualified loans. We've got you covered.

Peace of mind

Military service can be very demanding, so it's nice to know that you're protected in case of a missed or late payment.

Who's eligible?

Active-duty members of the US Army, Navy, Air Force, Marine Corps, Space Force and Coast Guard
Reservists during training and when serving on active duty
Members of the National Guard component mobilized under federal orders for more than 30 consecutive days
Active duty-commissioned officers of the Public Health Service or the National Oceanic and Atmospheric Administration
US citizens who are members of an allied nation’s military service
Spouses and dependents of active-duty servicemembers listed above
Servicemembers absent from duty for a lawful cause or because of sickness, wounds or leave

Who's ineligible?

National Guard members not called to service by federal or state-issued orders
Military veterans whose service completion date is beyond 180 days
Individuals who received their loan or credit while on active duty in military service

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888-323-4732

8 am to 9 pm ET Monday through Friday

8 am to 8 pm ET Saturday and Sunday

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Learn about our military banking products

We offer checking and savings accounts that are designed to benefit servicemembers in our community.

Yes. A family member can request SCRA benefits on your behalf. Just ensure they have all the necessary information to give to an associate.

We can search the Defense Manpower Data Center, or DMDC, for your dates of service using your full name and date of birth. Providing additional documents such as a leave earnings statement, military orders or your DD214 may help us get the most accurate dates of service.

Yes. Your dependents are eligible for the same benefits as you. You'll just need to let your First Citizens associate know that you'd like them to be included.

Yes. Your benefits will be backdated to the earliest date of your service. Additionally, you'll be refunded for any outstanding interest or late fees accrued during that period.

You're still eligible for benefits up to 18 months after your military service ends.

Yes. You're eligible for benefits during your annual training or when deployed. However, SCRA benefits don't cover inactive-duty training.

Benefits for servicemembers and their families