Gold clad is a fancy way of saying gold plated. Gold clad coins are nothing more than regular coins with some worthless substance as coating. Essentially, gold clad coins are made when gold is bonded to another cheap metal. In layman's terms, the 'gold' you are receiving is practically worthless.
Just so, what does CLAD certification stand for?
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Which coins are silver?
90% Silver Dimes, Quarters, and Half Dollars. Roosevelt and Mercury Dimes, Washington Quarters, and Walking Liberty Franklin and Kennedy Half-Dollars minted in 1964 and earlier are 90% silver. The value of most circulated coins minted in the 1920′s through 1964 is primarily from their silver content.
What is a clad layer?
Also, there are copper/nickel clad dimes, quarters, halves, and dollars, which are made from outer layers of nickel and with a center layer of copper. If this occurred, the clad-layers would not bond together properly, which could result in one of the nickel layers splitting off before or after the coin was struck.