¹Annual Percentage Yield (APY) accurate as of 05/08/2026. 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 6-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. This special 6-month term savings certificate can only be opened in-branch or by phone and funded with new money. New money is defined as funds not on deposit at Golden 1 in the 30 days prior to the certificate account opening.

²You must keep a minimum of $1 in a Regular Savings account to maintain membership. For more, see Fee Schedule and Disclosure of Account Information.

³Annual 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.

⁴See Official Rules.

⁵Official rules 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.