Military Benefits Club

💰 Financial Benefits

VA home loans, military banking, credit card fee waivers, TSP retirement tools, pay calculators, insurance, and SCRA protections for veterans and service members.

SCRA and MLA: Your Legal Financial Protections

The Servicemembers Civil Relief Act (SCRA) caps interest rates at 6% on pre-service debts, protects against eviction, and provides lease termination rights for PCS and deployment — but requires you to notify creditors in writing with a copy of your orders. The Military Lending Act (MLA) applies automatically to credit products originated after you entered service, capping the Military Annual Percentage Rate (MAPR) at 36% and prohibiting mandatory arbitration clauses. Knowing which law applies to which debt can save thousands of dollars.

VA Home Loan: No Down Payment, No PMI

The VA home loan guaranty lets eligible veterans and active duty buy a home with no down payment, no private mortgage insurance, and competitive rates. A funding fee applies (1.25–2.15% of the loan, reduced for down payments) but is waived entirely for veterans with service-connected disabilities. Get your Certificate of Eligibility (COE) at va.gov; any VA-approved lender can process the loan from there.

Credit Card Annual Fee Waivers for Active Duty

Under SCRA and MLA, major credit card issuers waive annual fees for active duty service members. The Amex Platinum ($695/yr), Chase Sapphire Reserve ($550/yr), and Capital One Venture X ($395/yr) are all covered — making premium travel cards effectively free while on active duty. Visit our Credit Cards page for the full breakdown of which cards waive fees and how to request the waiver from each issuer.

Thrift Savings Plan (TSP)

The TSP is the federal government’s 401(k) equivalent with expense ratios as low as 0.05% — among the cheapest retirement accounts available anywhere. Under BRS (Blended Retirement System), the DoD matches up to 5% of your basic pay contributions after two years of service. If you’re under BRS and not contributing at least 5%, you’re leaving matching funds on the table.

Filter by Verification Portal:
Loading...

All 83 verified military discounts (A–Z)

  • ezTaxReturn.com — 20% OFF: 20% off federal and state tax filing with accuracy and maximum refund guarantees via WeSalute+ membership.
  • Fifth Third Bank — MILITARY-ONLY: Dedicated Military Checking with waived monthly fees, paychecks up to 2 days early, 10 free non-network ATM transacti…
  • Figo Pet Insurance — 5% OFF: Figo offers a 5% military and veteran discount on pet insurance policies in most states; excluded in FL, NY, TN, and …
  • First Citizens Community Bank — 0% OFF: First Citizens Community Bank offers a Veterans Checking account with waived monthly fees, free nationwide ATM access…
  • GEICO — UP TO 15% OFF: Up to 15% off auto insurance for active duty and retired military. Special storage rates for deployed vehicles. Emerg…
  • Glacier Bank — Up to $8,065 or 1% of the base loan amount: Glacier Bank offers a VA loan home advantage program providing a discount of up to $8,065 or 1% of the base loan amou…
  • Home & Auto Insurance (WeSalute) — DISCOUNT AVAILABLE: Exclusive home and auto insurance savings for military members via WeSalute+ membership.
  • Humana Military / Honor Plans — FREE: Administers TRICARE East Region serving ~4.6M beneficiaries across 24+ states. Humana Honor Medicare Advantage Plans …
  • Huntington Bank — MILITARY-ONLY: Military Banking with VA Loans featuring up to $5,500 in closing cost assistance (borrower pays min $500, Huntington …
  • Kirtland Credit Union — $100 bonus and no monthly maintenance fees: Kirtland Credit Union offers a Military Checking account with no monthly maintenance fees and a $100 bonus when setti…
  • Legal Care Direct — FREE & DISCOUNTED LEGAL SERVICES: Access to a nationwide network of Legal Care plan attorneys and identity theft advocates with free and discounted leg…
  • LendingClub — 6% INTEREST CAP: LendingClub provides SCRA benefits capping interest rates at 6% annually on pre-service debts for eligible active-dut…
  • Liberty Tax — 25% OFF: Liberty Tax offers 25% off all tax preparation fees and extensions for military members. Use promo code MILITARY25 at…
  • M&T Bank — SCRA BENEFITS: Active-duty military may receive a 6% interest rate cap on pre-service loans under SCRA; contact M&T's dedicated SCRA…
  • Microsoft Office — Military Discount: Microsoft Office offers a military discount via GovX. Verify eligibility at govx.com.
  • Midland States Bank — $1,295 off origination fee: Midland States Bank offers a Community Hero Mortgage Program that waives the $1,295 origination fee for eligible mili…
  • Military OneSource Financial Counseling — FREE: Free personal financial counseling for active duty and families — budgeting, debt management, retirement planning, TS…
  • Military Pay Calculator (DFAS) — FREE TOOL: Official military pay charts and calculators from DFAS — look up base pay, BAH (Basic Allowance for Housing), BAS (Ba…
  • Military Star Card (AAFES) — MILITARY RATE: Military Star Card: 0% financing on Exchange purchases (6-60 months), 2% back on Exchange/Commissary, no annual fee. …
  • MilTax (Military OneSource) — FREE: Free tax preparation and e-filing software for military members — covers federal and up to 3 state returns. Handles m…
  • Morgan Financial — 2% Lender Credit: Morgan Financial offers a 2% lender credit (up to $16,000) for eligible VA home purchase loans on Viera Builders new …
  • Morningstar — ~30% OFF: Approximately $75 off first year of Morningstar Investor subscription for military and veterans. Verified via SheerID.
  • Mutual of Omaha Mortgage — 22% commission rebate: Mutual of Omaha Mortgage offers a realtor commission rebate program for veterans and active-duty military, where they…
  • myPay (DFAS) — FREE TOOL: DFAS myPay portal — manage military pay, view LES (Leave and Earnings Statement), update tax withholdings, manage TSP…
  • Nationwide — 25% OFF: Nationwide offers 25% off auto insurance premiums for active-duty military members and their families, but only in Lo…
  • Navy Federal Credit Cards — MILITARY-ONLY: Navy Federal credit cards for military — cashRewards (1.75% all), More Rewards (3x dining/transit), Visa Signature (3…
  • Navy Federal Credit Union — MILITARY-ONLY: Navy Federal is the world's largest credit union (13M+ members). Military-focused — auto loans, mortgages, checking, …
  • Old Glory Bank — No monthly fees: Old Glory Bank offers a Premium Checking account to veterans with no monthly maintenance fees.
  • OnCourse Learning — ~33% OFF: Savings on NMLS-approved mortgage pre-license and continuing education courses with personalized study materials via …
  • PenFed Credit Cards — MILITARY-ONLY: PenFed credit cards — Pathfinder Rewards (3x travel, 1.5x everything), Power Cash Rewards (2% on everything). Open to…
  • PenFed Credit Union — MILITARY-ONLY: Pentagon Federal Credit Union — military-focused with competitive auto loans (5.24%+), mortgages, and credit cards. P…
  • PNC Bank — MILITARY-ONLY: Dedicated Servicemembers Operations Center (SOC) with Military Banking checking and military-themed debit card. Note:…
  • Point Breeze Credit Union — 0.25% APR discount and $250 rebate: Point Breeze Credit Union offers a Military Service Package that includes a 0.25% APR discount on secured vehicle loa…
  • Poli Mortgage Group — $1,000 off purchase / $375 off refinance: Poli Mortgage Group offers mortgage closing cost discounts through its Community First program for military members, …
  • Progressive — ~5% OFF: ~5% military discount on auto insurance in most states. Not as deep as GEICO or USAA. Snapshot safe driving can stack…
  • Progressive Insurance — MILITARY RATE: Military rate available — typically 5-10% discount for active duty and veterans. Snapshot usage-based program availab…
  • Regions Bank — MILITARY-ONLY: Military Commitment program with dedicated Service Members Outreach Manager and military customer service line. Full …
  • Savings Deposit Program (SDP) — 10% APR GUARANTEED: Deployed service members can deposit up to $10,000 into SDP and earn a guaranteed 10% annual return — the best risk-f…
  • SGLI / TSGLI — LOW-COST COVERAGE: Servicemembers' Group Life Insurance (SGLI) — up to $500,000 coverage for about $25/month. Traumatic SGLI (TSGLI) pro…
  • SoFi — SCRA BENEFIT: SoFi honors SCRA for active-duty service members, capping interest rates at 6% on eligible loans (student, personal, …
  • State Farm — NO MILITARY DISCOUNT: State Farm does NOT have a specific military discount. Largest US auto insurer. Multi-policy discounts available for …
  • Synchrony Financial — SCRA BENEFITS: Has offered 0% interest on some accounts (exceeding 6% requirement). CAUTION: June 2024 class action alleges 'veteran…
  • TaxSlayer — FREE: TaxSlayer offers free federal tax return filing for active duty military through TaxSlayer Classic with no restrictio…
  • Thrift Savings Plan (TSP) — MILITARY BENEFIT: The TSP is the military's 401(k)-equivalent retirement plan with the lowest expense ratios in the industry (0.049%). …
  • Tillo Gift Cards — Military Discount: Tillo Gift Cards offers a military discount via GovX. Verify eligibility at govx.com.
  • U.S. Bank Military Benefits — SCRA BENEFITS: U.S. Bank provides SCRA benefits including annual fee waivers on credit cards (Altitude Reserve $400, Altitude Connec…
  • UnitedHealthcare Veterans — MILITARY-ONLY: AARP Medicare Advantage Patriot (No Rx) Plan designed to complement TRICARE For Life for military retirees. Previousl…
  • USAA — MILITARY-ONLY: USAA is the gold standard for military banking — checking, savings, insurance, investing, and shopping. Military-excl…
  • USAA Auto Insurance (Detailed) — ~15% OFF: USAA auto insurance typically 15-20% cheaper than civilian carriers. Deployment storage discount (up to 60% off). Acc…
  • USAA Credit Cards — MILITARY-ONLY: USAA credit cards exclusively for military — Cashback Rewards Plus (5% on base, 2% everywhere else), Limitless Cashba…
  • USAA Homeowners (Detailed) — ~10% OFF: USAA homeowners typically 10-15% below civilian carriers. Covers PCS moves (vacant home coverage). Military-specific …
  • USAA Insurance — MILITARY RATE: Military-exclusive auto, home, renters, and life insurance. Often 15-20% cheaper than civilian carriers. Deployment d…
  • VA Home Loans — ZERO DOWN PAYMENT: VA-guaranteed home loans — no down payment, no PMI, competitive interest rates. Can be reused multiple times. Include…
  • Verity Credit Union — 0% OFF: Verity Credit Union participates in the Veterans Benefits Banking Program, offering benefits such as fewer fees, fee …
  • Veterans Group Life Insurance (VGLI) — DISCOUNT AVAILABLE: VA-administered life insurance for veterans. Convert SGLI to VGLI within 240 days of separation with NO health questi…
  • Visions Federal Credit Union — 0% OFF: Visions Federal Credit Union offers a Veterans Program that includes a fee waiver for the Flex Checking Plus account,…
  • Webster Bank — 0.25% interest rate discount: Webster Bank offers a 0.25% interest rate discount on home equity loans and lines of credit for eligible military per…
  • Wells Fargo Military — SCRA BENEFITS: Wells Fargo provides SCRA benefits and military banking packages. Active duty banking, VA home loans, and military ch…
  • Zebit — $50 REBATE: $50 rebate when you spend and pay back $250+ at Zebit's marketplace (1,500+ brands including Apple, Samsung, Sony) fo…
🔓

You’re seeing real listings — unlock them all free

A free Military Benefits Club account unlocks every verified benefit, saves your favorites, and opens our financial calculators. No cost, no credit card — always free for the military community.

Create Free Account Sign In
💳
Looking for the best military credit cards?
Amex Platinum and Chase Sapphire Reserve both cost $0 under MLA. See all 11 cards with military filters →
Military Credit Card Tool

💡 Financial Tips for Veterans

  • 🏠
    VA Home Loan — Zero Down: VA loans require no down payment and no PMI. Available for purchase, refinance, or cash-out. Can be used multiple times throughout your life.
  • ⚖️
    SCRA 6% Interest Cap: The Servicemembers Civil Relief Act caps interest on ALL pre-service debt at 6% while on active duty. Write your lender a letter with a copy of your orders to invoke it.
  • 🏦
    USAA & Navy Federal: These veteran-focused institutions consistently offer lower rates and fewer fees than commercial banks. Navy Federal offers $0 down mortgages at competitive rates.
  • 📊
    VA Disability Is Tax-Free: VA disability compensation is completely tax-free at the federal level. It does not count as income for federal tax purposes — a significant advantage over taxable retirement pay.
  • 🏡
    State Property Tax Exemptions: Most states offer property tax exemptions for veterans — and many 100% disabled veterans pay zero property tax. Check your state's veterans affairs website.
  • 📈
    Max Out Your TSP Match: Under the Blended Retirement System (BRS), DoD matches up to 5% of base pay into TSP. Contribute at least 5% to get the full match — that's free money. Combat zone contributions grow tax-free forever.
  • 💰
    Deployed? Use the SDP: The Savings Deposit Program lets you earn a guaranteed 10% annual return on up to $10,000 while deployed to a combat zone. No investment anywhere else offers this risk-free rate.
  • 📝
    MilTax = Free Tax Filing: Military OneSource offers free federal and state tax filing through MilTax. It handles military-specific situations like combat zone exclusions and multi-state filing that commercial software often gets wrong.