*The dividend rate and Annual Percentage Yield (APY) accurate as of 8/18/2026. 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 the 13-month Jumbo Certificate is $50,000. Jumbo Certificate: 4.10% APY is for balances $50,000 - $99,999.99 and 4.20% APY is for balances $100,000+. The special 13-month Jumbo Certificate can only be opened in-branch or by phone. 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. These certificates are not extended to organization accounts. Rates and terms are subject to change without notice. Call 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 8/7/2026. 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.

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.

³Member Referral Terms and Conditions.

⁴Offer is limited to new Golden 1 Sole Proprietor or Business Checking account holders. Offer may not be combined with any other checking account bonus offer and is limited to one bonus per member per business tax ID. Current Golden 1 employees are not eligible. Other restrictions may apply. Golden 1 may change or discontinue this offer at any time before this date without notice. Offer Requirements: Offer is available to new Golden 1 Business Checking account holders who open an account by September 30, 2026. To qualify, you must (1) Deposit at least $2,000 in new money (funds not currently or previously held at Golden 1) within 15 days of account opening, and (2) Maintain an average daily balance of $2,000 in the account for the first 90 days. Bonus Tiers: (1) $100 bonus: Maintain an average daily balance of at least $2,000 during the first 90 days of account opening. (2) $400 bonus: Maintain an average daily balance of at least $10,000 during the first 90 days of account opening. (3) $750 bonus: Maintain an average daily balance of at least $15,000 during the first 90 days of account opening. Bonus Payment: The applicable bonus will be deposited into your Business Checking account within 30 days after the 90-day qualification period, following deposit verification, provided the account remains open and in good standing. Additional Bonus Opportunity: Accounts that qualify for any of the above bonuses are also eligible for an additional $100 bonus by opening and activating a Merchant Services Clover account before the end of the 90-day qualification period. You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Please consult your own tax professional and attorney for tax advice. Minimum deposit to open a Golden 1 Business Checking account is $100. All standard account terms, conditions, and opening procedures apply. For a comprehensive list of account pricing, terms and policies, see Disclosure of Account Information and Membership Agreement - Consumer & Sole Proprietorship Accounts (for Sole Proprietor Checking) or  the Business Deposit Account Disclosure and Membership Agreement and Business Services Fee Schedule (for Business Checking).These documents may be obtained online at golden1.com, by contacting a Golden 1 branch, or by calling Business Member Support at 1-877- 909-5656.