*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.

³You 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. View your Rewards Program Agreement and Credit Card Account Agreement for other terms and conditions.

⁴See Official Rules.

⁵Official rules and apply for $50 deposit match.

Promotion Period: The Student Checking account must be opened April 1, 2026 to July 31, 2026. Eligible participants have until July 31, 2026, 11:59 PM to make the qualifying deposit.

Offer Terms: In order to qualify for the deposit match, an Eligible Participant must open a new Golden 1 Student Checking account and complete at least one qualifying deposit of $50 or more into that account by July 31, 2026. The qualifying deposit must be made via an ACH transfer from a linked bank account, a direct deposit, or a deposit at a Golden 1 branch. Person to Person (P2P) transfers (Venmo, Apple Cash, PayPal etc.) do not qualify. This offer may not be combined with any other checking or savings account bonus offer and is limited to one bonus per member per account. After new members meet the qualification criteria stated above, Golden 1 will make a deposit of $50 into the qualifying Golden 1 account after deposit verification, no later than August 31, 2026. The account must remain open and in good standing until the deposit match is credited.

Tax Information: Deposit matches are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). You are responsible for any federal, state, or local taxes due on the bonus. Please consult your own tax professional and attorney for tax advice.

Other Terms:  Golden 1 reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. Golden 1 also reserves the right to stop or make changes to the Program at any time before the end of the Promotion Period without notice.