Personal Finance

Take charge of your finances—for today and the future

Earn 3% cash back in the category of your choice with the NEA® Customized Cash Rewards credit card. Plus, get a member exclusive $200 Gift Card online bonus offer! Apply here for this offer. Offers vary elsewhere.

Resources to help you manage your money

NEA® Customized Cash Rewards Credit Card

Member-Exclusive Online Bonus Offer: $200 Gift Card! (Students not eligible)

3% customized cash back in the category of your choice including: gas and EV charging stations; online shopping, including cable, internet, phone plans and streaming; dining; travel; drug stores and pharmacies; or home improvement and furnishings.

NEA RateSmart Credit Card

The NEA RateSmart® Card            

Get an ONLINE BONUS OFFER: $100 Target GiftCard! (Students not eligible)

The lowest rate of any NEA credit card. You’ll get a low intro APR offer and then enjoy a competitive APR. Feel secure with zero liability fraud protection, chip card technology and digital wallet compatibility.

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NEA Personal Loan® Program

Consolidate higher-interest debt or cover major purchases that may be a little out of reach.





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NEA Student Loan Refinance Program

The NEA Private Student Loan Refinance Program, in partnership with College Ave, is a great way to potentially lower the interest rate or monthly payment you currently pay on your private student loans.

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NEA Student Loan Program, in partnership with College Ave

Create your own customized private student loan that fits your budget.

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NEA Student Debt Navigator

Access this tool to find legitimate options to better manage your student loan debt.

NEA Member Benefits Financial Whiteboard

Financial Whiteboard Newsletter

You’ll find FREE tips, tools, videos and more in this member-only four part email series designed to give you a financial edge.

NEA Travel Program - Young Casual Female Traveler With Suitcase at Airport

NEA Travel Program

Get $500 Travel Dollars to use toward travel bookings when you enroll now.


NEA Personal Loan - Couple reviewing receipts and finances together

Make this the year you tackle debt

Educators can save money on interest charges by consolidating your debt under an NEA Personal Loan.


Learn to manage your finances with confidence