Looking for a better 3-year CD? FastBreak™
delivers more with up to 5.80% APY.
Set up your fixed annuity online in minutes and lock in a rate that’s 4x higher than the national CD average — no brokers, no pressure.
Apply in 10 minutes online
Track your growth anytime in your online portal
No hidden fees or charges
A- (excellent) rating by AM Best
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
Excellent customer support and online platform for fixed annuity
Excellent customer support and very smooth online experience from preparing an application to the activation of two Roth IRA policies for myself and my wife. The rate is very competitive and can open a policy with premium from very low to high when compared to other fixed annuity companies. Will definitely add more policies to Gainbridge platform when policies from other companies reach the maturity dates.
Jim & Jane
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
Excellent customer support and online platform for fixed annuity
Excellent customer support and very smooth online experience from preparing an application to the activation of two Roth IRA policies for myself and my wife. The rate is very competitive and can open a policy with premium from very low to high when compared to other fixed annuity companies. Will definitely add more policies to Gainbridge platform when policies from other companies reach the maturity dates.
Jim & Jane
FastBreak™ is the better alternative to a CD — with higher guaranteed rates, faster setup, and no bank paperwork or hidden costs.
Average APY around 1.4%
Early withdrawal penalties
Sold through banks and brokers with built-in fees
In-person setup and limited visibility
Up to 5.80% guaranteed APY
Penalty-free withdrawals after year 1
No middlemen, no commissions, no hidden fees
Apply online in minutes and track your growth 24/7
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.
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.
Try our growth calculator to see your fixed return before you invest.
With Gainbridge, you don’t have to time the market or worry about volatility. Just lock in your rate, and watch your savings grow on your terms.
Get a guaranteed APY up to 5.80% — and know exactly what you’ll earn.
Your initial investment is always safe. No losses, no volatility.
Pick a 3–10 year term and track your growth from day one.
Log in anytime to see your balance and performance — no bank branch required.
Built on trust, backed by strength.
Rated “Excellent” by real customers who value transparency, reliability, and results.
Part of Group1001, managing over $67.8 billion across trusted financial products.
AM Best rating
Rest assured with our strong financial stability recognized industry-wide.
Name Surname
FastBreak™ offers the speed of an online setup, the confidence of a guaranteed rate, and the growth you won’t get at the bank.
A high-yield CD alternative with flexibility.
Fixed 5.80% APY — guaranteed for your term
Apply online in minutes — no agents, no paperwork
Withdraw up to 10% each year without penalties
Designed to outperform traditional CDs
Ready to earn more
without the hassle?
It only takes a few minutes to open your account and lock in a fixed rate that actually grows your savings.
No hidden fees or commissions
A- (Excellent) rated financial strength
Try it risk-free for 30 days — cancel anytime
We have the answers.
Is Gainbridge right for me?
Gainbridge is designed for independent savers who want control, protection, and steady growth — without relying on the stock market or financial advisors. Whether you're planning a big move, growing your family, or preparing for retirement, our fixed annuities offer a safe, straightforward way to reach your goals.
How is the FastBreak™ annuity different from a CD?
Both offer guaranteed growth and principal protection, but FastBreak™ often comes with higher fixed rates, flexible withdrawal options, and no bank middlemen.
Are there any hidden fees?
No hidden fees, no upfront sales charges, and no commissions. Just be aware of potential charges if you withdraw more than your free amount or cancel early.
Can I lose money in a FastBreak™ annuity?
Nope. Your initial investment is protected. The only way your value could decrease is if you withdraw more than your free withdrawal allowance or cancel early.
Can I take money out while it grows?
Yes — you can withdraw up to 10% of your contract value each year without penalties. Anything above that may include a withdrawal charge or market value adjustment.
How are Gainbridge rates so high?
We don’t rely on commissioned agents or bloated overhead — just direct, digital delivery. That means you keep more of what you earn. Our fixed annuities, like FastBreak™, offer principal protection, guaranteed growth, and higher rates than traditional CDs. Plus, you can turn your contract value into guaranteed income payments down the line — for a few years or the rest of your life.