*The dividend rate and Annual Percentage Yield (APY) accurate as of 12/5/2025. 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.

¹You are advised to seek advice from your own tax professional and attorney.