Security Service FCU SCRA: Online Form, 30-Day Answer, Business Loans

Security Service Federal Credit Union, headquartered in San Antonio, treats the SCRA as a form. Its “Military Salute the Strong” section has an SCRA page that lists who qualifies, which accounts qualify, and a one-page Request for Servicemembers Civil Relief Act (SCRA) Benefits you can sign online through DocuSign or print and send back five different ways (page and PDF read on ssfcu.org, August 2026). The form itself carries the one number the page does not: a response “within 30 days.”

The rate is the statutory 6% APR, and Security Service publishes nothing lower. What is notable is the covered list. It names business loans and both federal and privately funded education loans next to consumer loans, mortgages, personal lines of credit, and cards. A $28,000 pre-service auto loan at 9% capped to 6% forgives about $840 a year; a $50,000 business loan you personally signed at 10% forgives about $2,000. Total yours in the savings calculator, and read the business loan guide if that line applies to you.

What Security Service puts in writing

Eligibility on the page follows the statute: all branches, reservists called to active duty, National Guard on federal service authorized by the President or DoD for a federally funded emergency lasting more than 30 consecutive days, and commissioned officers of the Public Health Service and NOAA. Foreclosure protection is listed too; the mechanics are in § 3953.

Getting the 6% applied

File your SCRA request with Security Service FCU

1. List every Security Service account established before your active-duty start date: auto and other consumer loans, mortgage, personal line of credit, credit cards, any business loan you signed, and any education loan.
2. Open the SCRA page and pick a form: the online DocuSign version or the printable PDF. Fill in your name, address, Social Security number, contact number, the date your orders were issued, your active-duty start date, and your release date. Attach a copy of your enlistment documents or activation orders.
3. Return the printed form one way: email CLServicing@ssfcu.org, fax 210.476.4443, mail Security Service Federal Credit Union, Attn: Account Services, 15000 IH-10 West, San Antonio, TX 78249, or drop it at any branch. Consider attaching a § 3937 cover letter from the letter generator that lists each account number, since the form has no account field.
4. Calendar day 30. The form says a response will be issued within 30 days and that a representative will call if anything more is needed. Questions in the meantime go to the dedicated military line, 1.866.809.6332.
5. Match the response against your statements: 6% on every listed account, payment reduced, and the credit back to your active-duty start date. Anything missing goes back to Account Services in writing.

Where Security Service members lose the cap

The form has no line for account numbers. It asks for you, your dates, and your orders, and leaves it to Account Services to find the accounts. That works for a member with one auto loan; it is thin for a member with a mortgage, a card, and a business loan. Add a cover letter that lists each account so nothing is left at contract rate, and mention the business loan by name since it is on Security Service’s own eligible list.

“Active Duty Release Date” can be a trap on open-ended orders. The form asks for a release date. If your orders show no end date, do not invent one; write what the orders say and attach them. A guessed date can become the date the cap is turned off. When your orders extend, send the new orders to the same channel.

Two phone numbers, two purposes. The SCRA page directs you to the dedicated military line at 1.866.809.6332; the request form lists (866) 468-2571 for questions about the form. Either reaches Security Service, but the military line is the one advertised as reaching a live person.

Email means your SSN travels in the clear. Security Service invites you to email the completed form, which carries your Social Security number and orders, and says nothing about encryption. The DocuSign form or the fax avoids that. If you email anyway, keep the sent message as your proof of the date.

Education loans: check who services them. Security Service lists federal and privately funded education loans as eligible. If a federal loan is serviced by a Department of Education servicer rather than by Security Service, that servicer applies the cap through its own process; the student loan guide covers those. For education loans Security Service itself holds, this form is the route. See how a form-based program compares with lenders that publish a phone desk on the bank leaderboard, and if you separated with these accounts open, the 180-day window still lets you claim a refund.

The law behind this: 50 U.S.C. § 3937

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