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 |
|---|---|---|
 Aidvantage | Publishes the 6% statutory terms source | July 15, 2026 |
 Ally | Publishes no rate figure source | July 15, 2026 |
 American Express | Publishes the 6% statutory terms source | July 15, 2026 |
 Bank of America | Publishes the 6% statutory terms source | July 15, 2026 |
 Barclays | Publishes the 6% statutory terms source | July 15, 2026 |
 Capital One | Publishes 4% source | July 15, 2026 |
 Chase | Publishes no rate figure source | July 15, 2026 |
 Citi | Publishes no rate figure source | Baseline pass |
 Discover | Publishes 4% source | July 15, 2026 |
 GM Financial | Publishes the 6% statutory terms source | July 15, 2026 |
| MOHELA | Publishes the 6% statutory terms source | July 15, 2026 |
 Mr. Cooper | Publishes the 6% statutory terms source | July 15, 2026 |
 Navy Federal | Publishes 4% source | July 15, 2026 |
 Nelnet | Publishes the 6% statutory terms source | July 15, 2026 |
 PenFed | Publishes the 6% statutory terms source | Baseline pass |
 PNC | Publishes the 6% statutory terms source | Baseline pass |
 Rocket Mortgage | Publishes the 6% statutory terms source | July 15, 2026 |
 Sallie Mae | Publishes 5% source | July 15, 2026 |
 Santander / Chrysler Capital | Publishes the 6% statutory terms source | July 15, 2026 |
 Synchrony | Publishes no rate figure source | July 15, 2026 |
 Toyota Financial Services | Publishes no rate figure source | July 15, 2026 |
| Truist | Publishes the 6% statutory terms source | July 15, 2026 |
 U.S. Bank | Publishes the 6% statutory terms source | July 15, 2026 |
 USAA | Publishes 4% source | July 15, 2026 |
 Wells Fargo | Publishes the 6% statutory terms source | July 15, 2026 |
 Westlake Financial | Publishes the 6% statutory terms source | Baseline pass |
Change log
Baseline established July 15, 2026. The first monthly re-check runs in early August 2026; every change to an issuer's published SCRA terms lands here with a date.
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.