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NEW: Earn 4.80% APY with Laurel Road High Yield Savings – our highest rate ever! Learn more here.

Online Banking and Lending for Doctors

Doctors, you deserve a bank that works as hard as you do.

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Laurel Road now offers more healthcare banking solutions for physicians and dentists, including new banking products that help manage medical school debt. Check your student loan rate now, or scroll down to learn more.

Check Your Rate
Already working on an application? Continue here.

IMPORTANT INFORMATION: The U.S. Department of Education recently announced a student loan debt relief plan which includes forgiveness of up to $10,000 for qualifying federal student loans and up to $20,000 for qualifying Pell Grant recipients. For more information, please read the announcement. Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain benefits or programs and waive your right to future benefits or programs offered on those loans. Please carefully consider your options when refinancing federal student loans and consult StudentAid.gov for the most current information.

Why Laurel Road Banking for Doctors?

We're guessing you didn't spend eight years in medical school to study finance.

Easy Online Solutions


Digital banking designed to help you save time and money.

Smart, Secure Technology


The trusted technology of a leading national bank.

Award-winning Experience


Our customers love us—we've funded over $9 Billion in loans.

HERE’S HOW OUR BANK FOR DOCTORS CAN HELP

#ImAlsoADoctor

Because Doctors are so much more than a white coat.

The I'm Also a Doctor docuseries highlights physicians and dentists who pursue extraordinary outside interests, and examines the influence this has on their mental health and careers. This 6-part series series celebrates the individuality of healthcare professionals while recognizing their commitment to providing exceptional care.

Explore the Series

What our customers think

It’s good that Laurel Road actually wants to hear from you on how they can improve their services not only for you, but for other people who are going to refinance with them."

Dr. Kasra H.

General Dentist

View Testimonials

What our customers think

I think it’s great to have products for doctors because we have an unusual trajectory where we have high earning potential, but don’t qualify for much on paper if that potential is not considered."

Dr. Linda D.

Child & Adolescent Psychiatrist

View Testimonials

What our customers think

I am very happy about the experience I had refinancing my loans through Laurel Road’s Residency Refinance Program. Laurel Road understands the unique situation that residents are in."

Dr. Greg P.

Medical Resident

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Path Copy Path Copy View Testimonials

Managing your medical student loan debt just got 3X easier:

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Medical Student Loan Refinancing

Find out how simple refinancing can be.

Because we offer a fast, easy online process with zero added costs or fees, refinancing your medical student loans has never been easier—and may save you thousands.7

See important information about your federal loans here.

Learn More
a male doctor with glasses wearing a white coat with a stethoscope looking to his right side, laurel road for doctors

Checking + Medical School Refinancing

Switch your checking to save even more.

When you open a Laurel Road Linked CheckingSM account during refinancing, you can access student loan refi rates starting at 1.37%% variable APR when you set up qualifying monthly direct deposits.3

Plus, get a $200 cash bonus with qualifying direct deposits.4

Learn More
female medical professional wearing a white coat with surgical mask and glasses, laurel road for doctors

Laurel Road Medical Student Loan Cashback® Card

Redeem 2% cashback towards any eligible student loan.5

Now every dollar you spend can help you pay down your medical student loans when you redeem 2% cashback towards your loans with 95% of U.S. loan servicers.8

Learn More

BENEFITS OF MEMBERSHIP

Why Laurel Road for Doctors?

EXCLUSIVE SAVINGS ON THE THINGS THAT MAKE LIFE EASIER.

We understand that your time is limited (and precious), so our Perks! offers are curated for convenience, ease, and the savings you need most.

Learn More

Financial Insights for Doctors

A WELLNESS EXAM FOR YOUR PERSONAL FINANCES.

Introducing peer-comparison data tools, customized plans for your financial goals, and personal finance content based on your career stage, specialty, and location.

Learn More
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Financial Resources for Doctors

FROM STUDENT LOANS TO FINANCIAL INSIGHTS, WE'VE GOT YOU COVERED.

Lean on us to help steer you towards financial freedom.

Explore Our Resource Hub

Financial solutions for employees and members

Employer Partnerships

SUPPORT YOUR TEAM

Unique financial benefits for the forward-thinking employer.

Learn More

Association Partnerships

BENEFITS WITH REAL VALUE

Easily incorporate Laurel Road for Doctor benefits into your association's offerings.

Learn More

Laurel Road for Doctors in the News

WE’RE THE LEADING CONVERSATION

Learn More doctor wearing scrub and mask, and perform an operation. Laurel Road loan for doctors

Houston Chronicle interviews Dr. Phoung from Laurel Road’s I’m Also a Doctor series

A Houston doctor's rock band is featured in a docuseries by Laurel Road highlighting physicians' passions...

Read More

Laurel Road CMO, Kaitlin Walsh-Epstein, shares ways to meet your savings resolutions in 2023

Balance transfers can sometimes be a useful tool in managing debt. However, you should also be mindful that...

Read More

Laurel Road General Manager, Alyssa Schaefer, shares advice for discussing money in new relationships

While it may not be appropriate to divulge your salary and how much you contribute to your 401(k)...

Read More

Laurel Road talks financial compatibility in relationships with Nerdwallet

Financial compatibility is about feeling comfortable with the other person and how they are handling their money, while...

Read More

Disclaimers

All credit products are subject to credit approval

IMPORTANT INFORMATION: The U.S. Department of Education recently announced a student loan debt relief plan which includes forgiveness of up to $10,000 for qualifying federal student loans and up to $20,000 for qualifying Pell Grant recipients. For more information, please read the announcement. Please note that if you refinance qualifying federal student loans with Laurel Road, you may no longer be eligible for certain benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, student loan debt relief or public service loan forgiveness, repayment options such as Income Based Repayment or Pay As You Earn, or COVID-19 relief benefits such as a 0% interest rate, suspension of payments or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult StudentAid.gov for the most current information.

  1. The variable Annual Percentage Yield (APY) indicated is accurate as of today and is subject to change at any time. No minimum balance is required to earn the APY. Fees may reduce earnings on the account. For current rates visit laurelroad.com/high-yield-savings-account/#rates-fees-jump

  2. Fees may reduce earnings on the account. National average Annual Percentage Yield (APY) reported by the FDIC as of 12/19/2022 (fdic.gov/regulations/resources/rates).

  3. Annual Percentage Rate (APR) shown are as of March 21, 2023 and subject to increase without notice. Based on applications between July 2019 to June 2021, approximately 11% of applicants qualified for our lowest advertised rate. Lowest rate quoted above assumes excellent credit and low debt, housing, and alimony expenses relative to income. Otherwise, a higher rate will apply. Rate shown above includes a 0.55% discount for having a qualifying direct deposit of at least $7,500 credited to a Laurel Road Checking account for every statement period of the term of the loan, a 0.25% discount for AutoPay, and a loan with a term of 60 months. Variable APRs are subject to increase after consummation. The Laurel Road Linked Checking discount is available to borrowers who open a Laurel Road Linked Checking account simultaneously while refinancing their student loans with Laurel Road. You may also be able to utilize a checking account opened simultaneously with a prior Laurel Road student loan refinance to obtain a discount on your new Laurel Road student loan refinance. Borrowers will receive a 0.25% rate discount for their first three monthly billing cycles. Starting with the fourth billing cycle and continuing with each billing cycle thereafter, the rate discount applied to each billing cycle will be based on the amount deposited via qualifying Automated Clearing House (ACH) transactions into the Laurel Road Linked Checking account during the preceding calendar month; 0.25% for deposits between $2,500 and $7,499 per month and 0.55% for deposits $7,500 or greater per month. Qualifying ACH direct deposit transactions include most payroll, Social Security, pension and government benefits deposits. To continue to receive the discount for the fourth billing cycle, you must begin making qualifying ACH deposits to your Laurel Road Linked Checking account during the second month after your loan funds. Note that the discount is only available to the primary checking account owner and is not available to a joint checking account owner. If the primary account owner is no longer an owner on the checking account or the account is closed, the discount on their student loan will cease. Discounts subject to change without notice and cannot be combined with the Laurel Road Linked Savings discount. For more information on the Laurel Road Linked Checking Account visit www.laurelroad.com/refinance-student-loans/linked-checking/#rates-fees-jump.

  4. Effective January 13, 2023, you must open a Laurel Road Checking account simultaneously while refinancing your student loan with Laurel Road by 06/30/23 at 11:59 p.m. (ET) and make one or more qualifying direct deposits via an Automated Clearing House (ACH) transaction into the Laurel Road Checking account totaling at least $2,500 within the first 60 days after account opening to receive the $200, which will be deposited into your account within 60 days of meeting requirements. Click here for current Laurel Road Checking Rates. Normal account service charges and miscellaneous charges may apply to the Laurel Road Checking, which may reduce earnings. Qualifying ACH direct deposit transactions include most payroll, Social Security, pension and government benefits deposits. Limit one bonus per qualifying account and per individual. The value of the bonus will be reported to the IRS on Form 1099-INT.  Accounts overdrawn or closed at the time of bonus payment are not eligible. Offer is subject to cancellation without notice and cannot be combined with any other bonus offer. Laurel Road is not responsible for, and will not honor, promotional offers that appear on third-party websites that are not authorized by Laurel Road.

  5. You 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. For more information visit https://www.laurelroad.com/cash-back-credit-card/#disclaimer.

  6. Eligibility: Laurel Road Perks! for Doctors and Financial Insights are available to current Laurel Road Members with an existing checking or savings account, credit card, student loan, personal loan, or mortgage who are physicians or dentists, including interns, residents, fellows, clinical professors, researchers, and managing physicians or dentists with one of the following qualifying medical or dental degrees: Doctor of Medicine, Doctor of Osteopathic Medicine, Doctor of Dental Surgery, Doctor of Medicine in Dentistry/Doctor of Dental Medicine, Doctor of Audiology, Doctor of Chiropractic, Doctor of Naturopathic Medicine, Doctor of Optometry, Doctor of Podiatry, or Doctor of Veterinary Medicine.

  7. Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.

  8. For Terms & Conditions and a full list of eligible loan servicers, visit laurelroad.com/faq/which-student-loan-servicers-do-you-work-with-for-the-laurel-road-student-loan-cashback-card/

  9. Deposits are insured up to $250,000. Laurel Road is a brand of KeyBank N.A. KeyBank is Member FDIC. To learn more, contact the FDIC toll-free at 1.877.ASK.FDIC (1.877.275.3342) or visit www.fdic.gov.

KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of April 27, 2023. Information and rates are subject to change without notice.