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Fixed Indexed Annuity

Aquila V — Gcu

Gcu

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10%

Free W/D

29

Available jurisdictions

Product data status: October 2, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Aquila V would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$170,285
Gross crediting illustration at age 80 (Aquila V)
Excludes the 0.45% annual Income Elite charge (optional rider; if elected); 0.35% annual Income Pro charge (optional rider; if elected). This is not a net contract value.
10%/yr
Free withdrawal allowance

Gross crediting illustration for each line; excludes the 0.45% annual Income Elite charge (optional rider; if elected); 0.35% annual Income Pro charge (optional rider; if elected).

Barclays Zorya 5% Index — 130% Participation (Annual)
✦
How crediting works: the participation rate keeps a share of positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A participation strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Aquila V's published participation rate (130% on Barclays Zorya 5% Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 0.45% annual Income Elite charge (optional rider; if elected); 0.35% annual Income Pro charge (optional rider; if elected) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

Free Comparison Report

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See how Aquila V compares for your age, state, premium, and income goals alongside other Gcu fixed indexed annuity options.

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rate data

Run numbers for Aquila V

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Gcu product.

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

A current headline metric is not available for this product. Confirm current terms with the carrier.

A five-year-surrender fixed indexed annuity from GCU, an A- AM Best–rated fraternal carrier, built for indexed accumulation on a short annual-reset participation-rate menu plus a fixed-account option, with no cap-style headline.

AdvisorWorld + CANNEX data

Best fit

Buyers in an eligible state who want a shorter (five-year) FIA surrender commitment, prefer a small annual-reset strategy menu, and are comfortable with participation-rate crediting on volatility-controlled indexes.

AM Best

A- Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

29 jurisdictions (restricted footprint)

Featured crediting strategies

Index / strategyRate mechanics

Fixed Account

Fixed Account

4.25% declared rate

Rate effective Apr 1, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · Does not vary by premium

+ 6 additional crediting options (Barclays US, Barclays Zorya, S&P 500...)

Lifetime Income Riders

Income rider

Income Elevate

RMD friendly

Confirm lifetime withdrawal percentages with the carrier. No income benefit has been selected.

Annual rider fee: not published for this selection.

Income rider

Income Elite

RMD friendly

Confirm lifetime withdrawal percentages with the carrier. No income benefit has been selected.

Annual rider fee0.45% annual rider fee

Income rider

Income Pro

RMD friendly

Confirm lifetime withdrawal percentages with the carrier. No income benefit has been selected.

Annual rider fee0.35% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender term sits at the short end of the FIA market, so a buyer who does not want a full ten-year commitment can still access an indexed-growth chassis here.
  • Crediting menu is a small, focused set of annual-reset participation-rate strategies (three index strategies plus a fixed account), so a buyer who prefers a short, easy-to-compare menu over a wide strategy buffet finds that here.
  • Ten-percent annual free-withdrawal allowance is offered alongside the surrender ladder, and the contract includes nursing-home and terminal-illness surrender-charge waivers for medical events.
  • Fixed-account option is available alongside the indexed strategies for a buyer who wants to dial down indexed exposure in a given contract year without leaving the product.

What to confirm

  • Index-crediting participation rates are not lifetime-income payout rates. Evaluate any optional income rider using its own current terms and a carrier illustration.
  • The indexed crediting menu is built entirely on annual-reset participation rates against proprietary volatility-controlled benchmarks (Barclays US Tech 12%, Barclays Zorya 5%, and the S&P 500 Dynamic Intraday TCA ER index — not the spot S&P 500). Participation rates on these strategies are not directly comparable to an uncontrolled S&P 500 cap or participation rate; evaluate each strategy on its own terms.
  • There is no annual point-to-point cap on a recognizable benchmark on this contract, which is why the page shows no headline cap. A buyer who wants a simple cap-on-S&P comparable should look at a different FIA chassis. There is also no two-year crediting term on this contract — every strategy is annual reset.
  • Filing is restricted to roughly 29 jurisdictions — New York, Nebraska, and a number of other states (including California, Oregon, Washington, the Plains and most of New England) are not on the availability list. Confirm your state is in scope before evaluating further. The minimum guaranteed participation floor is also materially below current participation rates, so participation can reset toward that floor over the surrender term and the buyer carries that risk.

Not ideal for

Buyers who want an annual point-to-point cap on the spot S&P 500 as the headline, who want a multi-year crediting term option, or who live outside the carrier's available states. Participation rates can change at renewal; compare the current terms and the guaranteed minimum before choosing a strategy.

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See how Aquila V compares for your age, state, premium, and income goals alongside other Gcu fixed indexed annuity options.

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All crediting strategies

View rate listings (14 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 130% · 1-yr

Barclays Zorya 5% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Apr 1, 20265-yr surrenderDoes not vary by premium

Par: 130% · 1-yr

Barclays Zorya 5% Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 105% · 1-yr

Barclays Zorya 5% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Apr 1, 20265-yr surrenderDoes not vary by premium

Par: 105% · 1-yr

Barclays Zorya 5% Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 65% · 1-yr

Barclays US Tech 12% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Apr 1, 20265-yr surrenderDoes not vary by premium

Par: 65% · 1-yr

Barclays US Tech 12% Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Apr 1, 20265-yr surrenderDoes not vary by premium

Par: 55% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

Barclays US Tech 12% Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Apr 1, 20265-yr surrenderDoes not vary by premium

Par: 50% · 1-yr

Barclays US Tech 12% Index

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Apr 1, 20265-yr surrenderDoes not vary by premium

Par: 35% · 1-yr

S&P 500 Dynamic Intraday TCA Index (USD) ER

Point-to-point

Requested state: TX5-yr surrenderDoes not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Apr 1, 20265-yr surrenderDoes not vary by premium

Fixed: 4.25% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrenderDoes not vary by premium

Income riders

Income rider

Income Elevate

RMD friendly

Confirm lifetime withdrawal percentages with the carrier.

Lifetime withdrawal rateNot shown
Annual rider feeNot shown

GLWB

Income rider

Income Elite

RMD friendly

Confirm lifetime withdrawal percentages with the carrier.

Lifetime withdrawal rateNot shown
Annual rider fee0.45%

GLWB

Income rider

Income Pro

RMD friendly

Confirm lifetime withdrawal percentages with the carrier.

Lifetime withdrawal rateNot shown
Annual rider fee0.35%

GLWB

Common questions about Aquila V

● Can I lose money in Aquila V?

A negative index return by itself does not reduce the contract's account value: Aquila V credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Aquila V's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available Aquila V strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Fixed account guarantee

1.00%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

20.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

product guide

GCU_Aquila_Brochure.pdf

Confidence: highReviewed Apr 19, 2026

Direct link not published — request the document from the carrier.

rate sheet

Aquila-V-and-X-Rates.pdf

Confidence: highReviewed Apr 19, 2026

Direct link not published — request the document from the carrier.

product guide

GCU_AquilaV_Brochure.pdf

Confidence: highReviewed Apr 7, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA-

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Aquila V currently shows 14 indexed or fixed crediting options, including Fixed Account, with 12 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • Fixed Account: 4.25% fixed account rate, 0% annual strategy fee
  • Fixed Account: 4.25% fixed account rate

Income rider language

What to look for before treating the rider as income

Income Elevate is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • RMD friendly

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 5 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as GCU_Aquila_Brochure.pdf and Aquila-V-and-X-Rates.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get an Aquila V rate report

See how Aquila V compares for your age, state, premium, and income goals alongside other Gcu fixed indexed annuity options.

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