Invest more, earn more
Make your money work harder. By choosing to deposit more, you get a higher guaranteed interest rate.
Get startedDon’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
National average APY under 0.61%4
Rates not guaranteed
Up to 6 withdrawals per month
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
Make your money work harder. By choosing to deposit more, you get a higher guaranteed interest rate.
Get startedOpen your account in under 10 minutes with a simple online application. No agents, no paperwork, and your rate is guaranteed the moment you finish.
Choose the funding method that works for you — connect a checking or savings account, or send a check.
To manage your account and see your growth, simply log into your Gainbridge® portal for real time updates.
FastBreak™ offers guaranteed returns, principal protection, and the confidence of a $72.9B financial foundation5.
Get a guaranteed7 fixed return — up to 5.60% APY — with terms as short as one year.
Your rate never changes, and your growth is locked in from day one.
Choose your timeframe, from 3 to 10 years, and access your full balance at maturity.
Your principal is never at risk — even if the market drops or rates change.
Built on trust, backed by strength.
Rated “Excellent” by real customers who value transparency, reliability, and results.3
Part of Group1001, with $72.9 billion in combined assets under management.
AM Best rating2
Rest assured with our strong financial stability recognized industry-wide.
William
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
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.
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.
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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