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

Simple, modern annuities

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

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

Good customer service

Good customer service, and direct-to-consumer sales confirms it's me who's the customer (and not some broker).

Joe

This is my second Gainbridge product

This is my second Gainbridge product. The rates are amazing and the purchase/set-up process is extremely easy.

Sondra

So Simple

Honestly, the whole process was so easy and quick I questioned whether or not this could be real. My rate on a three year MYGA was higher than any other guaranteed investment I could find.

Anthony

Great rate on the fixed rate annuity

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.

Signore

2nd time Buying an Annuity thru Gainbridge

Easy to navigate website. Easy to order an annuity and glad there are no fees going to an annuity salesperson. Documentation was easy to sign online. Easy to ad bank accounts to. Customer Services answered the phone in a reasonable amount of time.

Ann

First week

So far, so good. Everything has gone as I had been told it would. It was easy to apply, then purchase my annuity on line. A week after first applying, I was able to see my account online with interest already building. I am happy and impressed

Deborah

Value, Value, Value

Unbelievable rate, quality service, process transparency, easy to navigate website and knowledgeable reps. All in all, I'm very satisfied. Cheers, DG

David

Helpful and informative

Helpful and informative, happy with the results for my new account which was easy and straightforward to do.

Amy

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

Fast communications

Fast communications, so far so good. It feels like a trustworthy place for my hard earned savings and I'm sure as CD's mature in other locations they'll be headed for the Bridge!

Gerald

Simple straight forward product

Simple straight forward product that simulates the ease of a CD with a higher interest rate payout. Love it!

Sarah

Easy Process

The entire process of obtaining the annuity with Gainbridge has been very easy, from being able to speak with representatives on several occasions regarding questions about the annuity product to funding. Everything went smoothly and Gainbridge exceeded my expectations.

Jeffrey

Gainbridge Annuity

The on let me experience for starting and funding the annuity was stress free and fast. It took less than 5 business days to activate the contract. You start earning interest on your money as soon as Gainbridge receives the money.

John

Simple and Efficient Creation of Account

Setting up my own MYGA was simple. The process was much faster than the annuities that I set up with other companies that required a use a qualified agent to set them up. And the rate is higher too!

Anonymous

The rates are phenomenal

The rates are phenomenal. I’m very glad I’ve found them. Happy to bring my business here

Amber

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

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

Good customer service

Good customer service, and direct-to-consumer sales confirms it's me who's the customer (and not some broker).

Joe

This is my second Gainbridge product

This is my second Gainbridge product. The rates are amazing and the purchase/set-up process is extremely easy.

Sondra

So Simple

Honestly, the whole process was so easy and quick I questioned whether or not this could be real. My rate on a three year MYGA was higher than any other guaranteed investment I could find.

Anthony

Great rate on the fixed rate annuity

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.

Signore

2nd time Buying an Annuity thru Gainbridge

Easy to navigate website. Easy to order an annuity and glad there are no fees going to an annuity salesperson. Documentation was easy to sign online. Easy to ad bank accounts to. Customer Services answered the phone in a reasonable amount of time.

Ann

First week

So far, so good. Everything has gone as I had been told it would. It was easy to apply, then purchase my annuity on line. A week after first applying, I was able to see my account online with interest already building. I am happy and impressed

Deborah

Value, Value, Value

Unbelievable rate, quality service, process transparency, easy to navigate website and knowledgeable reps. All in all, I'm very satisfied. Cheers, DG

David

Helpful and informative

Helpful and informative, happy with the results for my new account which was easy and straightforward to do.

Amy

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

Fast communications

Fast communications, so far so good. It feels like a trustworthy place for my hard earned savings and I'm sure as CD's mature in other locations they'll be headed for the Bridge!

Gerald

Simple straight forward product

Simple straight forward product that simulates the ease of a CD with a higher interest rate payout. Love it!

Sarah

Easy Process

The entire process of obtaining the annuity with Gainbridge has been very easy, from being able to speak with representatives on several occasions regarding questions about the annuity product to funding. Everything went smoothly and Gainbridge exceeded my expectations.

Jeffrey

Gainbridge Annuity

The on let me experience for starting and funding the annuity was stress free and fast. It took less than 5 business days to activate the contract. You start earning interest on your money as soon as Gainbridge receives the money.

John

Simple and Efficient Creation of Account

Setting up my own MYGA was simple. The process was much faster than the annuities that I set up with other companies that required a use a qualified agent to set them up. And the rate is higher too!

Anonymous

The rates are phenomenal

The rates are phenomenal. I’m very glad I’ve found them. Happy to bring my business here

Amber

Higher rates, fewer hoops

FastBreak™ is the better alternative to a CD — with higher guaranteed rates, faster setup, and no bank paperwork or hidden costs.

Traditional CDs

Average APY around 1.4%

Early withdrawal penalties

Sold through banks and brokers with built-in fees

In-person setup and limited visibility

Gainbridge FastBreak™

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

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.

See how your money can grow with Gainbridge

Try our growth calculator to see your fixed return before you invest.

Predictable growth in unpredictable times

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.

Fixed rate, upront

Get a guaranteed APY up to 5.80% — and know exactly what you’ll earn.

Principal protection

Your initial investment is always safe. No losses, no volatility.

Reliable timeline

Pick a 3–10 year term and track your growth from day one.

Always on

Log in anytime to see your balance and performance — no bank branch required.

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.

$67.8 billion in assets

Part of Group1001, managing over $67.8 billion across trusted financial products.

A- (Excellent)

AM Best rating

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

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Name Surname

Choose a faster way to grow your savings

Choose a faster way to grow your savings

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

Still have questions?

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.