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 11/5/2025. 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 16-month certificate 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 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.