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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:


  • Credit cards

  • Auto loans

  • Personal loans

  • Equity loans and lines of credit

  • Some mortgages


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.


How to submit SCRA documents:

You can submit supporting documents via email to

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. 

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