Don’t settle for
bank CD rates

Better rates than most CDs coupled with peace of mind — backed by $68.5 billion in managed assets⁵ and the confidence of fixed returns.

Earn as much as 4x the national CD rate average⁴

Apply in 10 minutes online

No hidden fees or charges

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 APY under 2.00%⁴

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 5.80% guaranteed APY¹

Penalty-free withdrawals after year 1⁶

Terms from 3 to 10 years, based on your goals

$1,000 minimum deposit

Calculate your growth

Investment Duration

Under $100,000¹

$100,000 and up¹

3 years

5.45%

5.75%

4 years

5.45%

5.75%

5-10 years

5.50%

5.80%

Investment Duration

Under $100,000¹

3 years

4 years

5.45%

5.75%

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

5.45%

5.75%

4 years

5.45%

5.75%

5-10 years

5.50%

5.80%

Investment Duration

Under $100,000¹

3 years

4 years

5.45%

5.75%

Start growing your savings in
under 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.

Peace of mind with zero market risk

FastBreak™ protects your full principal and gives you a fixed return you can count on regardless of market performance— no surprises, no stress.

More growth with guaranteed⁷ returns

Lock in a competitive fixed rate — up to 5.80%¹ — and know exactly what you’ll earn by the end of your term. No guesswork, no shifting rates like you’d find at a bank.

Keep more with no commissions or fees

There’s no fine print here. You won’t pay sales fees, advisory fees, or early withdrawal penalties after year one⁶. What you earn is what you keep.

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.

Today’s top fixed rates, backed by $68.5 billion in assets⁵

FastBreak™ offers guaranteed returns, principal protection, and the confidence of a $68.5B financial foundation⁵.

Better alternative to most CD rates

Get a guaranteed⁷ fixed return — up to 5.80%¹ — 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

$68.5 billion in assets⁵

Part of Group1001, with $68.5 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 5.80% 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

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 $68.5 billion of combined assets under management as of March 31, 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.

More FAQs

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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

Get started now Learn more

Don’t settle for bank CD rates

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™

Invest more, earn more

Start growing your savings in under 10 minutes

Apply

Fund

Grow

Peace of mind with zero market risk

More growth with guaranteed7 returns

Keep more with no commissions or fees

Daily growth with simple tax treatment

Today’s top fixed rates, backed by $68.5 billion in assets5

Better alternative to most CD rates

Guaranteed income7

Flexible terms

100% principal protection

Proven, rated, and built for your future

4.5/5 stars on Trustpilot

$68.5 billion in assets5

A- (Excellent)

"Very competitive fixed annuity interest rates and easy and clear site. Also, provided informative and friendly customer service."3

Choose a direct path to guaranteed growth

Frequently asked questions

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

How are Gainbridge® rates so high?

Is Gainbridge® a reputable company?

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

Is FastBreak™ a CD?

Ready to lock in a better rate?

Don’t settle for
bank CD rates

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
under 10 minutes

More growth with guaranteed⁷ returns

Today’s top fixed rates, backed by $68.5 billion in assets⁵

Guaranteed income⁷

$68.5 billion in assets⁵

"Very competitive fixed annuity interest rates and easy and clear site. Also, provided informative and friendly customer service."³

Ready to lock in a
better rate?