*Annual Percentage Yield (APY) accurate as of 05/27/2026. 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 16-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.

¹All dividends are compounded monthly. The dividend rate and Annual Percentage Yield (APY) accurate as of 5/27/2026. 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.

²Annual Percentage Rate (APR). All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors.

³An eligible purchase (“Qualifying Transaction”) includes Point of Sale (POS) transactions that post to your account during the Sweepstakes Period. Qualifying purchases do not include credits, returns, other adjustments that are not payments, balances transfers, cash advances, items returned for credit, unauthorized charges, interest and account fees, travelers checks, foreign currency purchases, money orders, wire transfers (and similar cash-like transactions), lottery tickets, gaming chips (and similar betting transactions). Direct deposits from the Golden 1 Member’s employer, payroll provider, or benefits payer in the form of an Automated Clearing House (ACH) direct deposit do not qualify. Likewise, bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash deposits do not qualify.

⁴See Official Rules.

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 July 31, 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.