*Annual Percentage Yield (APY) accurate as of 04/07/2026. 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 this 6-month certificate special is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal. Call (916) 732-2900 or 1-877-GOLDEN 1 (1-877-465-3361) for current rates. This special 6-month term savings certificate can only be opened in-branch or by phone and funded 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.

¹Click to see rules and regulations. Conditions apply.

²You earn cash rewards on net qualified purchases (less credits, returns and adjustments) for each $1 spent. No maximum limit on total cash rewards earned. Balance transfers, cash advances and cash-equivalent transactions, such as purchases of money orders or gift cards, and certain other purchases/transactions do not earn rewards. We reserve the right to determine in our sole discretion whether a particular transaction is a qualified purchase. A 4% cash reward is offered on net qualified gas purchases and electric vehicle (EV) charging stations at eligible merchants. Cash rewards on gas and EV charging station purchases combined are limited to up to $5,000 in purchases annually, then 1% thereafter. A 3% cash reward is offered on net qualified purchases from eligible restaurants, including fast food and food delivery. A 3% cash reward is offered on net qualified purchases from eligible grocery stores or supermarkets. Purchases made at wholesale warehouse clubs are not eligible for rewards. All other net qualified eligible purchases will receive a 1% cash reward for each $1 spent.

³All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 4/7/2026. Fees may reduce earnings. Dividend rates are variable and subject to change monthly after the account is opened. The dividend rate is based on tiers. The end-of-day balance determines the tier, so the dividend rate for the month may vary from day-to-day depending on each day's balance. The minimum opening deposit is $100. There is no minimum balance requirement to obtain the APY.

⁴Rate discount applies to primary account holders who have been members for at least seven months and their joint account holders.

⁵Purchase closing cost offer: Restrictions apply. Closing cost credit offer of up to $1,500 is valid for home loan applications originated from March 2, 2026, to May 29, 2026. Not eligible for refinance loans. Eligible loans may not include any other promotional offers. The closing cost credit is not transferable. The credit at closing may be applied to standard loan costs that are charged at closing and may include customary third-party closing costs. The credit will not be given as cash back and may not exceed the actual closing costs of your refinance loan. Eligible applications must include a physical property address.