Earn ${RATE_SP_3YR_LOW} to ${RATE_SP_UPTO} APY¹,
guaranteed

Better rates than most CD's, — backed by an A- (Excellent) rating, the confidence of fixed returns, and 100% principal protection.

Fixed, guaranteed growth, ${RATE_FB_3YR_LOW} to ${RATE_FB_UPTO} APY

Interest taxed annually avoiding a large tax bill at end of your term

100% principal protection

A- (excellent) rating by AM Best²

Get started

Beats most CDs,
with no catch

“Great rate on the fixed rate annuity. Better than any bank CD. That got my business. Great company rating. Easy, easy sign up — sent them a check and done.” —
Verified customer review on Trustpilot³

Certificate of Deposits (CDs)

National average ${CD_RATE} APY⁴

Locked in — access your money only with penalties

Terms typically range from 3 months to 5 years

Minimum deposit often varies by bank

Gainbridge® FastBreak™

Up to ${RATE_FB_UPTO} guaranteed APY

Penalty-free withdrawals after year 1⁵

Terms from 3 to 10 years, based on your goals

May be ideal for savers who want consistent elevated growth

Get started

Easy access to your savings⁵

Need access to your money? FastBreak™ lets you withdraw a portion each year without penalties — unlike traditional CDs that lock your savings in completely.

Year

Amount you can withdraw penalty-free

Up to 10% of your initial premium

Up to 10% of your account value every year

Investment Duration

Under $100,000¹

$100,000 and up¹

3 - 4 years

${RATE_FB_3YR_LOW}

${RATE_FB_3YR_HIGH}

5 - 10 years

${RATE_FB_5YR_LOW}

${RATE_FB_5YR_HIGH}

Investment Duration

Under $100,000¹

3 - 4 years

${RATE_FB_3YR_LOW}

${RATE_FB_3YR_HIGH}

Invest more, earn more

Make your money work harder. By choosing to deposit more, you get a higher guaranteed interest rate.

Get started

Investment Duration

Under $100,000¹

$100,000 and up¹

3 - 4 years

${RATE_FB_3YR_LOW}

${RATE_FB_3YR_HIGH}

5 - 10 years

${RATE_FB_5YR_LOW}

${RATE_FB_5YR_HIGH}

Investment Duration

Under $100,000¹

3 - 4 years

${RATE_FB_3YR_LOW}

${RATE_FB_3YR_HIGH}

Start growing your savings in
10 minutes

Apply

Fill out a short, secure application in typically less than 10 minutes. You’ll be done before your bank's hold music ends.

Fund

Pick how long you want to save and transfer as little as $1,000 from your bank to get started.

Grow

Watch your money grow at a fixed rate with 24/7 online access, full transparency, and no market risk.

Get started

What Gainbridge® customers are saying

Hear what real customers have to say about their experience with Gainbridge® — from buying online to growing their savings with confidence.

Dave's review

I have several annuities with various insurance companies. I like that with Gainbridge you don't deal with a middle-man broker. The process is simple and the website/user interface is very good. Interest rates are some of the best.

David

Locked in great rate!

It was easy to set up my account and transfer of funds went smoothly. Also, I appreciate my locked-in interest rate that was the best at the time I was searching. I only wish I would have know about Gainbridge sooner.

Dgb

Good Customer Service

The information on your website was accurate and it was easy to talk to a representative both before and during the opening of the account. The rates are the best!

Linda

A real person

First, when you call you get a real person on the phone! They were patient, helpful and guided me through the process to purchase my product successfully...a wonderful and satisfying experience!

Nancy

One of the best 5-yr MYGA (annuity) rates around

One of the best 5-yr MYGA (annuity) rates around and fast and easy to complete the process online. No need for an agent to get involved, which makes things even easier and faster. Will likely do business again.

Tom

Competitive rates and good customer service

Very competitive fixed annuity interest rates and easy and clear site. Also, provided informative and friendly customer service.

William

As a first time online annuity…

As a first time online annuity purchaser I was anxious about the process. I spoke with Amanda and Tiffany at different times. Each were very helpful and patient. Tiffany especially was able to make me feel that there was someone at Gainbridge who cared about my experience and would follow through with what needed to be done to help me complete the process.

Rachel

Good Rates, easy account opening

Website is informative and easy to navigate. On line chat person clearly answered all of my questions. With the information I received, I felt comfortable opening my first ever annuity. Opening an account was straightforward and very easy. Current rates offered are significantly better than CD rates.

Robert

Calculate your growth

Use the FastBreak™ calculator to see how much you can earn.

Daily growth with simple tax treatment

Your money earns interest daily and is taxed annually, similar to a CD — straightforward and easy to understand. No complicated paperwork or surprises when it’s time to file.

Proven, rated, and built for your future

Built on trust, backed by strength.

4.5/5 stars on Trustpilot

Rated “Excellent” by real customers who value transparency, reliability, and results.

${AUM_DOLLAR} in assets

Part of Group1001, with ${AUM_DOLLAR} in combined assets under management.⁶

A- (Excellent)

AM Best rating

Rest assured with our strong financial stability recognized industry-wide.

"Very competitive fixed annuity interest rates and easy and clear site. Also, provided informative and friendly customer service."

William

Choose a faster way to grow your savings

Choose a direct path to guaranteed growth

Whether you're comparing CD rates or looking for an alternative place to grow your money, FastBreak™ offers fixed returns, principal protection, and an easy way to get started.

A fixed annuity designed for savers who want more from their money — without taking on more risk.

Fixed ${RATE_FB_3YR_LOW} to ${RATE_FB_UPTO} APY — guaranteed for your chosen term

Access your funds after year one, no age restrictions⁷

Built for savers who want consistent elevated growth

Get started

Frequently asked questions

What is the financial strength of Gainbridge®'s issuing insurance company?

Gainbridge Life is rated A- (excellent) financial strength rating of insurance company by AM Best.

A.M. Best Company assigns ratings from A++ to S based on a company’s financial strength and ability to meet obligations to contract holders. A- (Excellent) is the 4th highest of 16 ratings. For more information about the rating, visit www.ambest.com

How are Gainbridge® rates so high?

By offering annuities directly, we eliminated the middleman, getting rid of hidden fees and commissions, putting more money back in your hands.

Is Gainbridge® a reputable company?

Yes. Gainbridge® was founded in 2018 and is a proud subsidiary of Group 1001, which has approximately ${AUM_DOLLAR} of combined assets under management as of ${AUM_DATE}

Gainbridge Life is also rated A- (Excellent) by A.M. Best and rated "Excellent" on Trustpilot by Gainbridge® customers.

When can I withdraw my money from my FastBreak™ annuity?

You can withdraw your money at the the end of your term. Alternatively, you can withdraw up to 10% your initial premium in the first year or, starting in the second year, you can withdraw up to 10% of the contract anniversary's contract value.

These are the maximum amounts your can withdraw without incurring a surrender charge or market value adjustment in a given contract year. We recommend reviewing your annuity contract for specific terms and potential penalties related to withdrawals.

Is FastBreak™ a CD?

No, FastBreak™ is a non-tax deferred annuity. The main difference between FastBreak™ and a Certificate of Deposit (CD) is FastBreak™ is issued by an insurance company, Gainbridge Life Insurance Company, while a CD is issued by a bank.

Otherwise, a FastBreak™ annuity has fixed rates and interest taxable as earned like a CD.

More FAQs

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Ready to lock in a
better rate?

Open your account in minutes and lock in a guaranteed return, starting with 30 days to cancel risk-free and get a full refund.

No hidden fees or commissions

A- (Excellent) rated financial strength

30-day free look period

Get started Learn more

FastBreak™ MYGA disclosures & summaries

Product Summary Product Summary for California Residents Product Summary for New Jersey Residents

Earn ${RATE_SP_3YR_LOW} to ${RATE_SP_UPTO} APY1, guaranteed

Beats most CDs, with no catch

“Great rate on the fixed rate annuity. Better than any bank CD. That got my business. Great company rating. Easy, easy sign up — sent them a check and done.” — Verified customer review on Trustpilot3

Certificate of Deposits (CDs)

Gainbridge® FastBreak™

Easy access to your savings⁵

Invest more, earn more

Start growing your savings in 10 minutes

Apply

Fund

Grow

What Gainbridge® customers are saying

Calculate your growth

Daily growth with simple tax treatment

Proven, rated, and built for your future

4.5/5 stars on Trustpilot

${AUM_DOLLAR} in assets

A- (Excellent)

"Very competitive fixed annuity interest rates and easy and clear site. Also, provided informative and friendly customer service."

Choose a direct path to guaranteed growth

Frequently asked questions

What is the financial strength of Gainbridge®'s issuing insurance company?

Is FastBreak™ a CD?

Ready to lock in a better rate?

FastBreak™ MYGA disclosures & summaries

Earn ${RATE_SP_3YR_LOW} to ${RATE_SP_UPTO} APY¹,
guaranteed

Beats most CDs,
with no catch

“Great rate on the fixed rate annuity. Better than any bank CD. That got my business. Great company rating. Easy, easy sign up — sent them a check and done.” —
Verified customer review on Trustpilot³

Start growing your savings in
10 minutes

Ready to lock in a
better rate?