ShieldYour MoneyServes Too.Now It's Protected.
The Servicemembers Civil Relief Act caps your interest at 6%, blocks creditor action, and shields your savings from the moment orders are cut. Shield is the savings account built to enforce those rights automatically.
“What happens to my savings during deployment?”
The moment your orders are cut, the Servicemembers Civil Relief Act becomes your financial attorney. It caps every pre-existing debt's interest rate at 6% — not as a favor, as a federal mandate.
Under 50 U.S.C. § 3937, creditors must reduce your interest rate to 6% per annum on any debt incurred before active duty. They must also forgive — not defer — any interest charged above that cap. Shield files the notification automatically when you upload your deployment orders.
“They must forgive the excess interest. Not defer it. Forgive it. That's the statute.”
JAG Financial Readiness Brief, 2024“Can creditors touch my account while I'm overseas?”
The short answer: not without a federal judge's signature. The SCRA doesn't just slow creditors down — it requires court intervention before any legal action can proceed against a deployed service member.
Under 50 U.S.C. § 3931, a service member can request a stay of any civil proceeding for at least 90 days after the period of military service ends. Courts may extend this if military duty materially affects your ability to appear. Shield monitors your account and flags any collection attempts automatically.
Stay of Civil Proceedings
Any court can stay a civil action against you for the duration of your service, plus 90 days. Creditors cannot obtain default judgments while you are deployed.
Waiver of Rights
Any waiver of SCRA rights made during or before active duty is void unless it meets strict written requirements — protecting you from signing away protections under financial duress.
Mortgage Foreclosure Protection
Mortgage lenders cannot foreclose on your home while you are on active duty without a court order. A judge must review the case and consider your service obligations.
Eviction Protection
Landlords cannot evict you or your family from a primary residence without a court order if your rent is below the threshold ($4,225/month in 2025). Courts can stay the eviction.
“Does the 5% TSP match still apply — and what happens when I separate?”
Under BRS, DoD automatically contributes 1% of your basic pay to TSP — regardless of whether you contribute yourself. If you contribute 5%, DoD matches it. That's a guaranteed 100% return on the first 5% of your contribution.
When you separate, Shield's TSP Bridge feature rolls your TSP balance into a civilian IRA — preserving your tax-advantaged status and continuing the same investment strategy. You don't lose the years of compounding. You don't pay early withdrawal penalties. You continue building.
5 U.S.C. § 8432(c) — DoD automatic and matching contributions under the Blended Retirement System. Vesting begins at 2 years of service.
* Projections based on E-4 with 3 years service at $3,120/mo base pay (2025 DoD pay tables). Assumes 7% TSP annual growth (C-fund historical average). Not financial advice.
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Download the SCRA Savings Guide
28 pages · Statute references · JAG-reviewed
The complete guide to SCRA protections, TSP strategy, and civilian wealth transition — written for service members, reviewed by JAG officers. Free, no strings attached.