Important Information for Servicemembers

Heritage Oaks Bank supports our servicemembers by providing the benefits offered by the federal Servicemember's Civil Relief Act (SCRA).

The SCRA provides protections for individuals who are entering the service, called to active duty in the military or deployed servicemembers. The SCRA is intended to postpone or suspend certain civil obligations—many of them financial—so service members can devote their full attention to their duties while their family members experience less stress.

For example, the SCRA places a limit on the amount of interest that may be collected on financial obligations of any kind: 6 percent per year during the time of military service. Any amount over and above that 6 percent is permanently forgiven.

The SCRA also defines servicemember benefits with regard to issues such as trials, taxes, leases, mortgages, and more.

To find out more about the services Heritage Oaks Bank provides and your eligibility, please contact any local branch or call us Monday through Thursday, 8:00am to 5:00pm or Fridays 8:00am to 6:00pm PT:

Deposit Services, Consumer Loans, Business Loans:
805.369.5200 or 800.795.2524, select option 4

Mortgage Loans: 

You may also contact us by sending a message through our website.

Write to us for information at:
Heritage Oaks Bank
Loan Administration Department
1222 Vine Street
Paso Robles, CA 93446

For additional information available from the government on the SCRA, visit