Servicemembers Civil Relief Act (SCRA)
You may be eligible for SCRA benefits or protections if you’re an active-duty servicemember, or a member of the National Guard or reserve and called to active duty. These benefits and protections may include:
Reduced interest rate to 6% on SCRA-eligible loans
No late charges or over limit fees
Protection from foreclosure and repossession
Benefits may cover:
Equity loans and lines of credit
Required documents to submit:
You will be required to submit documentation proving your service, such as documentation prepared exclusively by a branch of the military, the Department of Defense or your commanding officer which indicates that you are on active duty (e.g., active-duty orders, change of station orders, DD-214 forms, letters from commanding officers, etc.)
Send your activation notice up to 180 days after the last date of your active military service.
If your active-duty status goes beyond the end date of your original orders, send us your updated activation orders and we will extend your SCRA benefits.
Commissioned officers in active service of the National Oceanic and Atmospheric Administration (NOAA) and of the Public Health Service may also qualify.
For more information, please visit the Consumer Financial Protection Bureau https://www.consumerfinance.gov/consumer-tools/educator-tools/servicemembers/the-servicemembers-civil-relief-act-scra/
How to submit SCRA documents:
You can submit supporting documents via email to firstname.lastname@example.org.
Tips when submitting documents:
If we are unable to clearly see photos of documents or you are unable to submit electronic copies, please mail your document(s) to us at:
Community First Guam Federal Credit Union
Attn: LSG - SCRA Request
238 Archbishop Flores Street, Suite 102
Hagatna, Guam 96910
If you have questions, please call us at 671-472-8210 about these and other servicing benefits available to you. We are available Monday – Friday from 8 AM to 5 PM ChST.