AAO-HNS
Member Benefits
Panacea can help AAO-HNS members save thousands. Simply use promo code AAOHNS2024Â on your application to qualify for benefits and join the bank built for doctors, by doctors.
AAO-HNS Member Benefits
Panacea can help AAO-HNS members save thousands.
Simply use promo code AAOHNS2024Â on your application to qualify for benefits and join the bank built for doctors, by doctors.
$100 CASH BACK1
On Panacea
PRN Personal Loans
$100 CASH BACK1
On Panacea Student
Loan Refinance
As seen on
About Us
Today’s financial companies are in the way. We’re going to change that.
Born out of the shared pain and experiences of our founders. Panacea Financial was created by doctors, for doctors. We’re dedicated to making financing simpler to understand and easier to access.
Student Loan Refinance For Physicians
Transparent
Rates
No
Maximums
Cosigners
In-House
Servicing
Refinancing designed specifically for the expensive debt accrued during medical school. Four rates to choose from that do not change — no bait and switch, no wasted time on a pre-application to find your rate.
- Transparent Rates
- No Maximums
- No Cosigners
- In-House Servicing
Transparent
Rates
Cosigners
No
Maximums
In-House
Servicing
PRN Personal Loans
Funding In As
Little As 24 Hours
No
Cosigner
No Prepayment
Penalties
100%
Digital
Fair and affordable personal loans up to $50,0004 with low, transparent, fixed rates quick to use as needed.
Enter promo code on the application to get a rate discount when you take out a PRN Personal Loan.
- Funding In As Little As 24 Hours
- No Cosigner
- No Prepayment Penalties
- 100% Digital
Funding In As
Little As 24 Hours
No Prepayment
Penalties
No
Cosigner
100%
Digital
Personal Checking & High Yield Savings Accounts
Checking and savings accounts for doctors, doctors-in-training, and their immediate family! Take advantage of free checking and high-yield savings accounts without the hassle.
- High-yield savings account at 4.50% APY – 10x the national average!2
- 100% free checking with unlimited ATM use nationwide.
- No monthly fees. No overdraft fees. FDIC insured.
Disability & Life Insurance
No insurance-jargon filled sales pitch, no steak dinners – just an experience-based conversation to help you understand what you need, and what you don’t.
- Specialized Pricing
- Best Market Options
- Simplified Underwriting
Specialized Pricing
Best Market Options
Simplified Underwriting
Insurance Products Are:
NOT A DEPOSIT | NOT FDIC-INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT GUARANTEED BY THE INSTITUTION | MAY GO DOWN IN VALUE
Rate Discount Details
- 1. Cash back available only on new PRN loan origination and new Student Loan Refinance Loan origination, and will be deposited into a Panacea Checking Account within 60 days of loan completion. To receive the offer, you must: (1) register and/or apply with promocode AAOHNS2024, (2) complete a loan application with Panacea Financial within 30 days of your application submit date, (3) and meet Panacea Financial underwriting criteria.
- Cash back incentive offered to AAO-HNS physicians. Offer cannot be combined with any other offers, except any discount for making automatic payments. Offer subject to change.
- 2. National Average based on FDIC information as of 10/5/2023. APY = Annual Percentage Yield. The advertised APY is effective 10/6/2023 and subject to change thereafter. No minimum balance required to obtain the APY. The minimum to open a Panacea Savings Account is $25. Fees may reduce earnings. Offer is subject to change without notice and may be withdrawn at any time.
- 3. All associated discounts applied to Panacea and competitor rates and terms. All Panacea APRs assume a 0.50% discount to auto-pay from a Panacea Checking account. We offer a 0.25% discount to auto-pay from a non-Panacea checking account.
- 4. Not all applicants qualify for the lowest rate or maximum loan amount; subject to credit approval. Total borrower maximum varies by stage of career and with credit score. To check the rates and terms you qualify for, click “Apply Today” and Panacea will conduct a soft credit pull to determine your possible rate and will not affect your credit score.
