GCU

Current Crediting Rate3.90% APY (effective 2/1/2026 - 2/28/2026)

5-Year Fixed Annuity | 3.90% APY | Flexible Renewal Options

Minimum Guaranteed Rate2.65%

Deposit Range$300 minimum to $200,000 maximum

Surrender Charges9% - 7% - 5% - 3% - 1% (years 1-5)

Best for: Conservative investors aged 59½+ seeking guaranteed income with flexibility to a...

Aquila V

Fixed Interest RateAt least 1.0% guaranteed

Fixed Indexed Annuity with Lifetime Income & Growth Potential

Index-Linked Interest85% minimum participation on Zorya 5%; 40% minimum on Tech 12% during surrender period

Tax-Deferred GrowthTax deferred until withdrawal

Lifetime IncomeIncome Elevate included free; Income Pro and Income Elite available for annual fee

Best for: Retirees and pre-retirees seeking guaranteed lifetime income, principal protecti...

Aquila V

Dual Index StrategyZorya: minimum 100% (Aquila X) or 85% (Aquila V); Tech: minimum 40% (Aquila X) or 40% (Aquila V)

Growth potential + Principal protection + Lifetime income

Principal Protection0% floor on negative years

Lifetime Income Guarantee3.50% to 6.00% annual withdrawal factor depending on age and election

Penalty-Free Withdrawals10% annual penalty-free access

Best for: Retirees or pre-retirees seeking a balance of guaranteed lifetime income and gro...

Aquila X

Dual Index StrategyZorya minimum 100% participation (Aquila X) or 85% (Aquila V); US Tech minimum 40% (Aquila X) or 40% (Aquila V)

Growth potential + downside protection + guaranteed lifetime income

Principal Protection0% floor—guaranteed no loss from negative index returns

Guaranteed Lifetime IncomeIncome factors range from 3.5% (age 50-55, single life) to 6.0% (age 80+, single life)

Penalty-Free Withdrawals10% annual access, compounding benefit

Best for: Retirees or near-retirees who want market-linked growth but can't afford to lose...

Aquila X

Multiple Crediting StrategiesMinimum $2,000 per allocation option

Fixed Indexed Annuity with Flexible Growth & Lifetime Income

Free Withdrawals10% annual + cumulative carryover

Principal Protection0% minimum credit rate guaranteed

Premium BonusVaries by product variant

Best for: Investors aged 50+ seeking long-term retirement savings (10+ years) who want pri...

Aquila X

Multiple Crediting Strategies12 allocation options available

Tax-deferred growth with indexed or fixed strategies

Guaranteed Minimum Interest0% floor on all credits

Free Withdrawals10% annually, 30% cumulative max

Premium BonusVaries by product tier

Best for: Retired or near-retirement individuals seeking tax-deferred growth with downside...

Aquila X

Participation Rates35-190% depending on index and strategy

Index-linked growth with guaranteed minimums

Guaranteed Minimum Rates1-4% depending on product and term length

Index OptionsS&P 500 Dynamic Intraday TCA, Barclays US Tech 12%, Barclays Zorya 5%, or Fixed Rate

Point-to-Point Crediting1-year or 2-year options available

Best for: Conservative to moderate investors seeking tax-deferred growth with index partic...

Flex 5 Advantage

Current Crediting Rate5.15% APY (effective 2/01/2026–2/28/2026)

5.15% rate, flexible withdrawals, lifetime guarantees

Minimum Guaranteed Rate2.65%

Flexible WithdrawalsYear 1: 10%; Years 2-5: 20% of beginning balance

Surrender Charge Schedule9% - 7% - 5% - 3% - 1% (Years 1-5)

Best for: Conservative investors aged 0-88 seeking steady growth with downside protection ...

Flex 8

Current Crediting Rate5.25% APY

5.25% Rate + 10% Annual Withdrawals

Minimum Guarantee2.65%

Annual Withdrawal Allowance10% per year

Surrender Charges9%-2% over 8 years

Best for: Individuals ages 0-85 seeking competitive fixed returns with liquidity, downside...

Triple Advantage PLUS

Tiered Interest Rates4.90% APY maximum

3-Year Fixed Annuity | Up to 4.90% APY

Rate Guarantee3 years

Minimum Guaranteed Rate2.65%

Flexible Withdrawals10% annually

Best for: Conservative investors aged 0-95 seeking a guaranteed fixed rate of return with ...

Financial Ratings

Live from CANNEX

Rating Agency

A.M. Best

Rating

A-

Description

Excellent

Effective

October 4, 2022

Rating Analysis

As of October 2023, GCU holds an A- (Excellent) rating from AM Best, though the outlook was revised to negative due to a decrease in risk-adjusted capitalization.

GCU Products

Fixed Indexed Annuities

Explore GCU fixed indexed annuity products with current rates and features.

Multi-Year Guaranteed Annuities

Compare GCU MYGA products with guaranteed rates and terms.

Immediate Annuities (SPIA)

View GCU single premium immediate annuity options.

Deferred Income Annuities (DIA)

Explore GCU deferred income and QLAC products.