¹Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.

²The dividend rate and Annual Percentage Yield (APY) accurate as of 10/1/2025. The dividend rate and APY may change at any time. There is no minimum balance required to earn the stated APY. The minimum opening deposit for the 6-month, 11-month, and 15-month certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. 4.15% APY, 6-month Term Savings Certificate must be opened by phone or in-branch with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening. Any fee, withdrawal, or transfer reduces earnings and there may be penalties for early withdrawal. Call 1-877-GOLDEN 1 (1-877-465-3361) for current rates.

³The 90 days to first payment applies to all borrowers for new and used auto loans. Interest will accrue during deferment period from the loan origination date.