The SCRA Rate Tracker
Search any bank's SCRA rate and you will find confident numbers: a 0% here, a 4% there. Some are real. Some appear on no page the issuer has ever published, and they get repeated from blog to blog until they look like facts. This tracker is the antidote: we check every issuer's own SCRA page, log what it actually states, and re-check monthly. When a page changes, the change is logged here with a date.
The statutory floor everywhere is 6%, retroactive, with the excess forgiven (50 U.S.C. 3937), on debt you took on before active duty. Anything better than 6% is a voluntary issuer program, which is exactly why it needs watching: voluntary terms can change without notice.
What each issuer's own page states
| Institution | Its own page | Last checked |
|---|---|---|
| Affirm | Publishes the 6% statutory terms source | August 15, 2026 |
 Aidvantage | Publishes the 6% statutory terms source | October 3, 2026 |
 Ally | Publishes no rate figure source | October 3, 2026 |
| American Credit Acceptance | Publishes the 6% statutory terms source | October 3, 2026 |
 American Express | Publishes the 6% statutory terms source | October 3, 2026 |
 Bank of America | Publishes the 6% statutory terms source | October 3, 2026 |
 Barclays | Publishes the 6% statutory terms source | October 3, 2026 |
 Capital One | Publishes 4% source | October 3, 2026 |
| Carrington Mortgage Services | Publishes no rate figure source | October 3, 2026 |
 Chase | Publishes no rate figure source | October 3, 2026 |
 Citi | Publishes no rate figure source | Baseline pass |
| Citizens Bank | Publishes the 6% statutory terms source | October 3, 2026 |
| Comenity (Bread Financial) | Publishes the 6% statutory terms source | October 3, 2026 |
 Discover | Publishes 4% source | October 3, 2026 |
| Exeter Finance | Publishes the 6% statutory terms source | October 3, 2026 |
| Fifth Third Bank | Publishes the 6% statutory terms source | August 15, 2026 |
| First Premier Bank (PREMIER Bankcard) | Publishes no rate figure source | October 3, 2026 |
| Ford Credit | Publishes the 6% statutory terms source | October 10, 2026 |
| Freedom Mortgage | Publishes no rate figure source | October 3, 2026 |
 GM Financial | Publishes the 6% statutory terms source | October 3, 2026 |
| Honda Financial Services (American Honda Finance) | Publishes no rate figure source | August 15, 2026 |
| Huntington | Publishes the 6% statutory terms source | August 15, 2026 |
| Hyundai Motor Finance and Kia Finance America | Publishes no rate figure source | October 3, 2026 |
| M&T Bank | Publishes the 6% statutory terms source | October 3, 2026 |
| MILITARY STAR Card (Exchange Credit Program) | Publishes the 6% statutory terms source | September 3, 2026 |
| MOHELA | Publishes the 6% statutory terms source | October 3, 2026 |
 Mr. Cooper | Publishes the 6% statutory terms source | October 3, 2026 |
 Navy Federal | Publishes 4% source | October 3, 2026 |
 Nelnet | Publishes the 6% statutory terms source | October 3, 2026 |
| Newrez / Shellpoint Mortgage Servicing | Publishes the 6% statutory terms source | October 3, 2026 |
| Nissan Motor Acceptance Company (NMAC) | Publishes the 6% statutory terms source | August 15, 2026 |
| OneMain Financial | Publishes the 6% statutory terms source | October 3, 2026 |
 PenFed | Publishes the 6% statutory terms source | Baseline pass |
 PNC | Publishes the 6% statutory terms source | Baseline pass |
| Regions Bank | Publishes the 6% statutory terms source | October 3, 2026 |
 Rocket Mortgage | Publishes the 6% statutory terms source | July 15, 2026 |
 Sallie Mae | Publishes 5% source | October 3, 2026 |
| Santander Consumer / Chrysler Capital | Publishes the 6% statutory terms source | October 3, 2026 |
| Security Service FCU | Publishes the 6% statutory terms source | October 3, 2026 |
| SoFi | Publishes the 6% statutory terms source | October 3, 2026 |
 Synchrony | Publishes no rate figure source | October 3, 2026 |
| TD Auto Finance | Publishes no rate figure source | October 10, 2026 |
 Toyota Financial Services | Publishes no rate figure source | October 3, 2026 |
| Truist | Publishes the 6% statutory terms source | October 3, 2026 |
 U.S. Bank | Publishes the 6% statutory terms source | October 3, 2026 |
| Upstart | Publishes the 6% statutory terms source | October 3, 2026 |
 USAA | Publishes 4% source | July 15, 2026 |
| Veterans United Home Loans | Publishes the 6% statutory terms source | October 3, 2026 |
 Wells Fargo | Publishes the 6% statutory terms source | October 3, 2026 |
 Westlake Financial | Publishes the 6% statutory terms source | Baseline pass |
Change log
- September 3, 2026: Mr. Cooper: email "MilitaryFamilies@mrcooper.com" no longer on the issuer page.
- September 3, 2026: Mr. Cooper: mail "Mr. Cooper, Attn: SCRA/Military Families, PO Box 619098, Dallas, TX 75261" no longer on the issuer page.
- September 3, 2026: Mr. Cooper: fax "855-856-0427" no longer on the issuer page.
How this works
Each issuer record on this site carries the exact values we assert (department phone, fax, mailing address, published rate). A monthly job fetches every issuer's page and confirms each value is still there, digit for digit. A blocked fetch never counts as a change: only a successfully read page can add a log entry. The methodology page covers the rules, and the department directory lists every verified filing channel. Filed recently? Grade your issuer.