*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.

⁵As part of our Home Loans Relationship Discount Program, you may be eligible for savings on your Golden 1 first mortgage. The tiers and mortgage rate discounts are subject to change until the rate is locked. The discount is determined based on total deposit balances at Golden 1 and Golden 1 Investment Services; read full disclosures.

⁶See 2026 Back To School Student Sweepstakes Official Rules.

⁷Special rate offer is only available for a limited time. The introductory dividend rate and Annual Percentage Yield (APY) are valid for six (6) months beginning at account opening and will revert to the current Business Money Market Savings dividend rate and APY in effect upon the end of the six (6) month introductory period. This offer is only available to first-time Business Money Market Savings members and is not available to Sole Prop account holders. Offer valid on one (1) Business Money Market Savings account per Employee Identification Number (EIN), or Tax Identification Number (TIN), or Social Security Number (SSN), as applicable. The minimum opening deposit is $100. Minimum balance to earn APY is $0.01. This offer may be modified or discontinued at any time. 

⁸Golden 1 Credit Union members are eligible for the Greenlight Select Plan at no cost when they connect their Golden 1 Credit Union account as the Greenlight funding source for the entirety of the promotion. Upgrades will result in additional fees. Members may also choose to upgrade to one of Greenlight’s Partner premium plans: Infinity Select or Family Shield Select. Golden 1 Credit Union members will receive a $5.99 monthly discount on either plan when they connect an eligible account as their Greenlight funding source. Upon termination of promotion, members will be responsible for associated monthly fees. Offer ends 3/12/2029. Offer, pricing, and Golden 1 Credit Union participation subject to change. Subject to minimum balance requirements and identity verification. Terms and conditions apply. See Golden 1 Credit Union and Greenlight terms at Greenlight® Promotion “General Terms” for full details. Price reflected includes monthly partner discount.