Personal Financial Products

Your financial health is personal - let AOAExcel ® ’s endorsed business partner, Laurel Road guide you in your financial health journey.

Student loan refinancing

Whether you're a practice owner, independent contractor, employee or anything in between, financial health is important - and personal - for doctors of optometry. AOAExcel is excited to partner with Laurel Road on 3 new personal financial products to assist optometrists in planning their financial future.


Mortgage lending 

Let Laurel Road take the stress out of qualifying and securing a mortgage. With their secure, simplified online process and superior customer support, online mortgage lending has never been made simpler. 

Purchase your home or refinance your current mortgage with Laurel Road and receive these great benefits as an AOA member:

  • Receive a 0.25% rate discount
  • You could save up to $650 off closing costs
  • Check your rates in minutes with a quick and easy online form
  • Clear options, transparent fees & human support if and when you need it



Laurel Road High Yield SavingsSM

Plan for the future with a highly competitive high yield savings account from Laurel Road. AOA members qualify for $0 cost to open and receive a $100 cashback bonus for opening an account.



Laurel Road Student Loan Cashback SM credit card

What better way to reduce your student loan debt than with everyday purchases you already make. Introducing the first credit card that lets you redeem 2% cashback toward your student loan debt with any eligible student loan servicer - not just Laurel Road

As an AOA member, receive the following benefits:

  • Receive a $100 bonus after activation
  • Earn 2% cashback towards eligible student loans & 1% cashback towards anything else
  • 0% intro APR for the first 12 months on balance transfers
  • No annual fees or foreign transaction fees

Start chipping away at your student loan debt today!


Laurel Road logo

*The 0.25% American Optometric Association (AOA) member interest rate discount is offered for student loan applications from active AOA members. The rate discount will end if AOA notifies Laurel Road that borrower is no longer in good standing. The AOA member interest rate discount cannot be combined with other offers, except any discount for making automatic payments.

**AutoPay/EFT Discount: if the borrower chooses to make monthly payments automatically by electronic fund transfer (EFT) from a bank account, the interest rate will decrease by 0.25% and will increase back if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the borrower’s bank account. The 0.25% AutoPay/EFT Discount will not reduce the monthly payment;instead, the discount is applied to the principal to help pay the loan down faster.

Laurel Road is a brand of KeyBank N.A. Member FDIC.

Young doctors: Find your career fit.

Looking for a new optometric career opportunity? Doctors of optometry, including recent graduates from the class of 2020, can search open positions and connect with employers in the AOAExcel Career Center.
Related News

U.S. House pens Medicare vision benefit language, but funding woes threaten derailment

Congress’ Sept. 15 deadline for bill language passes with lawmakers backing key guardrails that AOA’s advocates say must be in place for a workable benefit. Yet, price tag developments may forestall efforts.

Pandemic savings strategies

COVID-19 has taught us that planning ahead may be more critical now than ever. During periods of uncertainty, it’s important to keep a long-term perspective.

Building relationships

Not sure how to begin your journey as an advocate for optometry? According to an AOA Distinguished Service Award winner, the key is developing relationships with legislators and their staffs. Plus, more tips on advocating successfully.