*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.

³See Official Rules for $50 deposit match.

⁴Purchase 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.

⁵Early deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.