Huntington SCRA: 6% Cap With Fees Waived, Fax 877-674-6738

Huntington’s SCRA program lives in a unit called Customer Advocacy, SCRA Management, at 7 Easton Oval in Columbus, and it publishes a fuller FAQ than most regional banks: what it accepts as proof, how it verifies, why it declines, and what fees it waives (both pages read on huntington.com, August 2026). Two things it does not publish: a rate below the statutory 6%, and a phone number that reaches the SCRA desk directly. Filing is paper, fax, branch, or a secure email link you request through a web form.

The math is the statute’s. A $15,000 pre-service Huntington auto loan at 10.5% capped to 6% forgives about $675 a year; a $7,500 card at 28% forgives about $1,650, both retroactive to your active-duty start under § 3937. Huntington’s fee-waiver sentence adds whatever late or annual fees would otherwise post. Run your accounts through the savings calculator.

What Huntington puts in writing

Huntington also says the SCRA extends some benefits to spouses, dependents, and others subject to the servicemember’s obligations, with the call made after it sees your documents, and it lists foreclosure and repossession protection (§ 3953) and default-judgment protection among the rights.

Getting the 6% applied

File your SCRA request with Huntington

1. List every Huntington loan and line of credit opened before your active-duty start date. Huntington’s decline list is specific, so also note any account paid off before you entered service (not eligible) and any opened after (not eligible).
2. Choose your proof: active-duty orders, a DD Form 214, a DD Form 4, an officer’s Oath of Office, or a letter from your commanding or executive officer on official letterhead, signed. If a spouse or agent is filing, add the power of attorney.
3. Write the request. The letter generator drafts a § 3937 letter; add a line asking Huntington to confirm the fee waiver on each account.
4. Submit one way: fax (877) 674-6738; mail The Huntington National Bank, Attention: Customer Advocacy, SCRA Management, 7 Easton Oval EA1W02, Columbus, OH 43219; hand it to a branch; or use the SCRA Contact Form on Huntington’s SCRA page, writing under “Additional Information” that you want to send documents by secure email, and wait for the link.
5. Huntington says it mails a letter once it has your documents and has verified your accounts. It prints no timeframe. If no letter arrives within two statement cycles, call general service at (855) 480-4748 (or (614) 480-4748 from overseas), ask for Customer Advocacy, and note the date and name.

Where Huntington borrowers lose the cap

“Secure email” is a callback, not an address. Huntington publishes no SCRA mailbox. The secure route is a web form: you enter your name, email, and phone, pick a call-back window, and ask for the secure email link. If you are on a deployment clock, fax is faster and gives you a confirmation page. Either way, keep the record; the 180-day post-service window in § 3937(b) is one of Huntington’s stated decline reasons.

A DD214 proves you served; it does not by itself prove the account predates service. Huntington accepts a DD214, which is useful if you have separated and are filing inside the 180-day window for a retroactive refund. Make sure the request also states your active-duty start date, since the eligibility test is whether the loan was opened before that date.

“Real or personal property” is Huntington’s phrase, not the statute’s. Huntington’s FAQ says the one-year post-service tail applies to obligations secured by real or personal property. § 3937(a)(1)(A) grants that year to mortgage-type obligations; the statute ends the cap on other debts when service ends. If you have a Huntington auto loan, ask in writing whether the bank will hold 6% for the year, and keep the answer. If it does, that is a Huntington policy on top of the law.

State law can widen eligibility, and Huntington says it looks. The FAQ states that some states have extended protection and that Huntington decides under federal and state law. If your loan post-dates your active-duty start, check your state on the state pages before you accept a decline.

Huntington Honors is a checking perk. The Perks Checking monthly-fee waiver for service members and veterans is separate from the SCRA and does not require orders. Compare Huntington’s program with lenders that publish a phone desk or a lower rate on the bank leaderboard, and if a decline letter cites a reason you can rebut, use the escalation playbook.

The law behind this: 50 U.S.C. § 3937

Maximum rate of interest on debts incurred before military service: read the statute.