Earn More with Electrum™ Earn more with Electrum™ Average Account Balance * How much will your Direct Deposits (ACH Deposits) total each month? More than $1,500 More than $500, but less than $1,500 Less than $500 Monthly Debit Card Transactions* Are you a full-time student? Yes No Optional Loan Rewards Loan Balance $: What is the balance on your loan? Loan Rate %: Annual Percentage Rate (APR) on your loan. Loan Term in Months Common loan terms are 36 months (3 years), 48 months (4 years), and 60 months (5 years). Calculate Savings Your Estimated Electrum™ Savings & Rewards: Qualified for Electrum™? Potential Monthly Dividends Average Monthly Round-Up Total Loan Reward For estimating only. Using these calculators is not a guarantee of credit or results.