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Electrum High-Yield Checking Account

When you take advantage of Electrum Checking from Park View, you can manage your spending, savings, and earnings - all within a single account.

Earn up to 5.00% APY

No minimum balance or monthly service fees

Get paid up to 2 days early with direct deposit

Debit card round up feature

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How to Earn Dividends with Electrum Checking 

At Park View, your financial journey is about to get even more rewarding! With our innovative Electrum checking, the more you engage with your account, the greater your rewards! Explore the impressive range of benefits that await you at each level:

Electrum Checking Benefits & Features

With Electrum checking, you're not just banking - you're unlocking the full potential of your money.

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SPEND AND SAVE

Enroll in our debit card round-up feature and watch your savings grow with every purchase. It's saving made simple.

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PAYDAY MADE BETTER

Why wait for payday? With direct deposit, get your paycheck up to 2 days faster. Your money, right when you need it.

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LOAN REBATE

Your loyalty, rewarded. Get 5.00% of interest paid back quarterly into your Park View Rewards from your auto loan and/or home equity line of credit.

Electrum Checking + Traditional Money Market

Looking to earn more on a higher balance? Maximize your savings when you pair a Traditional Money Market with your Electrum checking. The more you use your Electrum checking, the higher your Money Market rate will climb.

Money Market Account Rates

Current as of 5/1/2024
Balance ($1,500 minimum) Gold Level APY1 Dividend RateSilver Level APY2Dividend Rate
Base Level APY3Dividend Rate
Over $200,000 3.60%3.542%2.60%2.570%2.10%2.080%
Over $100,000 3.50%3.445%2.50%2.472%2.00%1.982%
Over $75,000 3.46%3.406%2.46%2.433%1.96%1.943%
Over $25,000 3.20%3.154%2.20%2.178%1.70%1.687%
Balances to $25,000 3.20%3.154%2.20%2.178%1.70%1.687%

1APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. To qualify for APY, you must have an Electrum checking account and make at least 15 debit card purchases and have at least $1,500 in direct deposits each month. 2 To qualify for APY, you must have an Electrum checking account and make at least 5 debit card purchases and have at least $500 in direct deposits each month. 3 To qualify for APY, you must have an Electrum checking account. No mandatory monthly debit card purchases or direct deposits are required.

Electrum Checking FAQs

Get the answers you need to the questions you have about Electrum checking.

Disclosures

1Annual Percentage Yield (APY) valid as of 8/1/2023. Monthly qualifications must be met in order to earn high dividend rate on balances up to $10,000. If not met, a reduced rate of 0.10% APY will be applied to balance. Balances over $10,000 will earn a reduced rate of 0.25% APY. $25 minimum to open account and earn APY. Fees may reduce earnings. All rates quoted are subject to Credit Union earnings and are subject to change without notice.
2Dividends are paid quarterly into your Park View Rewards Account.
3Park View will waive the convenience fee, but surcharge fees from other financial institutions may still be assessed.
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