Servicemembers Civil Relief Act (SCRA)

Under the Servicemembers Civil Relief Act (SCRA), Security Service members who become active duty military can have the rate on their existing loans at Security Service reduced to 6.00% APR*. ​​


Who qualifies?

You can apply for this reduction to joint loans if one of the borrowers is entering, called to active duty, or deployed with the military. Learn more about the SCRA program.

Note: You may encounter a certificate error before getting to the SCRA website, which is expected behavior. Please proceed to the SCRA site. For more information about the certificate error, read this FAQ explanation.


Which loans apply?

Security Service will apply this rate reduction to qualified loans, including credit cards, lines of credit, installment loans, and real estate loans, for all of our members currently deployed in the armed forces.

Already deployed?

If you have already reported for duty out of town, you can complete the   Operation Salute the Strong Notice Of Loan Rate Reduction To 6% Form by mail or by a person with Power of Attorney.


Effective Date

If you were not active duty when the loan was made but then became active duty, the rate change will be effective the date you became active duty.


Submitting Forms

Completed forms can be submitted to Security Service Federal Credit Union:

  • In person at a location near you.
  • By mail at 15000 IH 10 West., San Antonio, TX 78249, Attn: Central Lending.
  • By fax at 210.476.4647.
  • By email at


Let us know how we can help!

Visit a location near you, or call our dedicated 24/7 military line at 1.866.809.6332.


At a Glance:

Military Member Benefits

Dedicated Military Line


Call our 24/7, dedicated military line and reach a live person.

Expedited Direct Deposit

Receive your military LES direct deposit 1-3 days before its set posting date.

Mobile Banking

Manage accounts, pay bills, and deposit checks from your mobile device.

Free ATMs

Access nearly 30,000 free ATMs across the U.S., Canada, and Mexico City.

Shared Branching

Conduct business at more than 5,000 nationwide credit union locations.



*APR = Annual Percentage Rate. Usual credit criteria for qualified borrowers only.