Don’t settle for

bank HYSA rates

Better rates than most HYSAs coupled with peace of mind — backed by $72.9 billion in managed assets5 and the confidence of fixed returns.

Up to fixed 5.60% APY growth¹ compared to the 0.61% APY HYSA national average6

Apply in 10 minutes online

3-10 year terms

A- (excellent) rating by AM Best2

Beats most High Yield Savings,

with no catch

“Relatively high-yield product that can be purchased, or modified, quickly and easily, supported by responsive team via phone or email, with full online access to all account info.” —

Verified customer review on Trustpilot3

High Yield Savings

National average APY under 0.61%4

Rates not guaranteed

Up to 6 withdrawals per month

Gainbridge® FastBreak™

Up to 5.60% guaranteed APY1

Penalty-free withdrawals after year 16

Terms from 3 to 10 years, based on your goals

$1,000 minimum deposit

Investment Duration
Under $100,000¹
$100,000 and up¹
3 years
5.25%
5.55%
4 years
5.25%
5.55%
5-10 years
5.30%
5.60%
Investment Duration
Under $100,000¹
3 years
4 years
5.25%
5.25%
5.55%
5.55%

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 years
5.25%
5.55%
4 years
5.25%
5.55%
5-10 years
5.30%
5.60%
Investment Duration
Under $100,000¹
3 years
4 years
5.25%
5.25%
5.55%
5.55%

Set it up today. Start earning tomorrow.

Apply in minutes

Open your account in under 10 minutes with a simple online application. No agents, no paperwork, and your rate is guaranteed the moment you finish.

Fund your annuity

Choose the funding method that works for you — connect a checking or savings account, or send a check.

Watch your money grow

To manage your account and see your growth, simply log into your Gainbridge® portal for real time updates.

Today’s top fixed rates, backed by $72.9 billion in assets5

FastBreak™ offers guaranteed returns, principal protection, and the confidence of a $72.9B financial foundation5.

Better alternative to most HYSA rates

Get a guaranteed7 fixed return — up to 5.60% APY — with terms as short as one year.

Guaranteed income7

Your rate never changes, and your growth is locked in from day one.

Flexible terms

Choose your timeframe, from 3 to 10 years, and access your full balance at maturity.

100% principal protection

Your principal is never at risk — even if the market drops or rates change.

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.3

$72.9 billion in assets5

Part of Group1001, with $72.9 billion in combined assets under management.

A- (Excellent)

AM Best rating2

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."3

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 5.60% APY1 — guaranteed for your chosen term

Access your funds after year one, no age restrictions8

Built for short-term savers who want consistent elevated returns

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 $72.9 billion of combined assets under management as of June 30, 2025.

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.

Ready to lock in a

better rate?

Open your account in minutes and start earning a guaranteed return — no banks, no paperwork, no surprises.

No hidden fees or commissions

A- (Excellent) rated financial strength2

30-day money-back guarantee if you change your mind