Triple Advantage PLUS
GCU
4.9%
Best Rate
31
States
A 3-year fixed annuity offering competitive tiered interest rates up to 4.90% APY with guaranteed rates and flexible withdrawal options. Designed for individuals seeking stable, predictable growth with access to their funds.
Available In
31 states
Min Premium
$300
Surrender
3 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.9% |
Key Features
Tiered Interest Rates
4.90% APY maximumHigher rates for larger deposits: 4.00% for $300-$4,999; 4.50% for $5,000-$49,999; 4.90% for $50,000+
Rate Guarantee
3 yearsYour starting interest rate is locked in and guaranteed for the entire 3-year contract period
Minimum Guaranteed Rate
2.65%Floor rate protecting your principal if market conditions change
Flexible Withdrawals
10% annuallyWithdraw up to 10% of that year's beginning balance in years 2 and 3 without surrender charges
Surrender Charges
5%, 3%, 1%Declining surrender charges of 5% (year 1), 3% (year 2), and 1% (year 3) for excess withdrawals
Deposit Range
$300 minimum, $500,000 maximumAccommodates both small and large investors with flexible minimums and maximums
Death Benefit Waiver
No charges on death benefitsBeneficiaries receive full death benefit with no surrender charges applied
Additional Deposits
PermittedYou can add funds to your annuity throughout the contract period
Highlights
Tiered interest rates up to 4.90% APY based on deposit amount, guaranteed for all 3 years
Flexible withdrawals allowed in years 2 & 3 with no surrender charge on 10% of beginning balance
Low minimum deposit of just $300 with maximum of $500,000
Death benefit waiver eliminates surrender charges on death benefit payouts
Eligible for qualified retirement plans with issue ages 0-95
Surrender Schedule
Yr 1
5%
Yr 2
3%
Yr 3
1%
After
0%
Best For
Conservative investors aged 0-95 seeking a guaranteed fixed rate of return with some liquidity, particularly those with larger deposits who can benefit from the highest tier rates.
Consider Alternatives If
Investors who need immediate access to their full principal before year 2, or those seeking growth potential beyond fixed interest rates who should consider variable or equity-indexed annuities.
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