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 discount1
  • You could save up to $650 off closing costs2



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.3



Laurel Road Student Loan CashbackSM Credit Card

AOA members get a $100 cash Bonus after activating! Introducing the first card that lets you redeem 2% cashback toward your student loans with any eligible servicer. Chip away at your student loans with every dollar you spend.

As an AOA member, receive the following benefits:

  • Receive a $100 bonus after activation4
  • Earn 2% cashback towards eligible student loans & 1% cashback towards anything else5

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 National Association. All products offered by KeyBank N.A. Member FDIC. NMLS #399797. Equal Housing Lender.

1The interest rate discount of 0.25% is offered to borrowers that are an active AMA member at the time of closing. This 0.25% interest rate discount cannot be combined with other offers, except the Rewards Program.  For Fixed-rate mortgages, the 0.25% rate discount is a permanent interest rate reduction that will be reflected in the Promissory Note interest rate. For adjustable-rate mortgages, the 0.25% rate discount will apply to the initial Fixed interest rate period and will be reflected in the maximum amount the interest rate can increase over the term of the loan, subject to the minimum interest rate that may be charged per the terms of the Promissory Note.

2Laurel Road offers up to $650 in lender's credit towards your mortgage closing costs. Credits cannot exceed borrowers actual costs to close. For more information refer to the Rewards Program here.

3In order to receive the $100, AOA Members must open a Laurel Road High Yield SavingsSM account between 05/31/2021 and 5/20/2024, the cash bonus will be paid out within 45 days of account opening. No minimum balance is required to open the account or receive the $100 cash bonus. Limit one cash bonus per qualifying Laurel Road High Yield SavingsSM account holder. Laurel Road High Yield SavingsSM: No minimum balance to open an account. Variable Annual Percentage Yield (APY) varies by tier. APY for tiers below $2,000,000 the APY is 0.75%. For tiers $2,000,000+ the APY is 0.05%. APYs indicated are accurate today only and are subject to change before or after account opening. Fees may reduce earnings on the account. In order to open a Laurel Road High Yield SavingsSM account you must be either an existing Laurel Road customer or a new customer with the following degrees: Doctor of Medicine (MD), Doctor of Osteopathic Medicine (DO), Doctor of Medicine in Dentistry or Doctor of Dental Medicine (DMD), Doctor of Dental Surgery (DDS), Doctor of Optometry (OD), Doctor of Audiology (AuD), Doctor of Naturopathic Medicine (ND), Doctor of Podiatric Medicine (DPM), Doctor of Veterinary Medicine (DVM), or Doctor of Chiropractic (DC).

4A $100 cash bonus offer is available to current non-college student AOA members who apply and are approved for a Laurel Road Student Loan CashbackSM Credit Card. The $100 cash bonus will be paid within 45 days of the member's activating the credit card. Existing credit card customers are not eligible.

5You will earn 2.0% in Cashback Rewards for each $1 spent on eligible Purchases if you redeem your Cashback Rewards towards your Student Loan with an eligible servicer. This equates to $0.02 in Cashback Rewards, for each $1 spent. For example, if you spend $100, you will earn $2.00 in Student Loan Credit. You will earn 1.0% in Cashback Rewards for each $1 spent on eligible Purchases if redeemed for a statement credit. This equates to $0.01 in Cashback Rewards, for each $1 spent. For example, if you spend $100, you will earn $1.00 in Cashback Rewards. Cashback is awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. For more information, view Laurel Road Student Loan CashbackSM Credit Card Program Terms and Conditions.
Eligible student load services include the following:
Laurel Road – MOHELA Loan Servicing; Alaska Commission (ACPE); American Education Services; Aspire Servicing Center; Bank of North Dakota; College Ave Student Loans; College Foundation Inc.; CommonBond; CornerStone U.S Department of Education; CornerStone Education Loan Services; Discover Student Loans; Earnest Operations LLC; EdFinancial Services U.S Department of Education; EdFinancial Services; FedLoan Servicing Department of Education; First Mark Services; Great Lakes U.S Department of Education; Granite State Management & Resources; Granite State Management & Resources – U.S Department of Education; Heartland – ECSI; Kentucky Higher Education Student Loan Corporation; Launch Servicing; Lendkey Technologies Loan; MOHELA-SoFi; MOHELA-U.S Department of Education; MOHELA Education Loan Servicing; National Student Lona Services; Navient Commercial Loans; Navient – U.S. Department of Education Loan Servicing; Navient Private Loans; NaviReFi; North Carolina State Education Assistance Authority; Nelnet ” J ”; Nelnet ” D ”; Nelnet E Department of Education; NJHESAA or NJ Class; North Texas HEA; Oklahoma Student Loan; Oklahoma Student Loan U.S Department of Education; PenFed Credit Union; ReliaMax Ln. Services LLC; Rhode Island Student Loan Authority; RSLFC Payment Center; Sallie Mae; SEAA Repayment Services; Tuition Options; UAS; UHEAA; VSAC Payments; Wells Fargo Education Loan.
The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Equal Housing LenderMember 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.
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