If you like the certainty of a guaranteed fixed rate but don't want to lock every dollar into one term, Flex may be a good fit. It can work well if you're saving toward a goal a few years out — even retirement — without the age-based penalties or required withdrawals that come with IRA-style accounts. In exchange, your interest is taxed each year. It can also be a great fit if you'd rather add money on your own schedule rather than all at once, if you like splitting savings across different terms — sometimes called laddering — or if you just want to avoid market swings altogether.

Flex may not be the right choice if you might need more than your free withdrawal amount before a term ends, because early withdrawals can be subject to an early withdrawal fee and a market value adjustment. If you want your interest to grow tax-deferred, consider Retirement Flex.

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Straight to the Cash Wallet. Nothing gets locked into a term unless you choose one when you deposit.

You start earning interest on the day we receive your funds. For bank transfers, this is typically 2-5 business days from when you initiate funding. For retirement transfers, it's usually when your previous institution releases the funds. Your interest rate is locked from the day you submit your application, and you'll earn that rate from the day we receive your deposit.

You can add funds anytime subject to contribution limits. Opening the account takes a minimum of $100. After opening, you may continue adding deposits with as little as $50. If you're splitting one deposit across several terms, each portion committed to a term needs at least $1 in it — the $50 minimum applies to the deposit as a whole, not to each individual term.

Any term from 1 to 10 years. In California, terms run from 1 to 9 years.

Each term has its own rate, and rates vary by term. You'll see the rate for every term before you choose.

You can also leave money in your Cash Wallet with no term at all, where it earns a rate that changes over time and stays available.

Withdrawals of taxable amounts are subject to ordinary income tax from a qualified annuity (Gainbridge: Retirement Flex) and if taken before age 59½ are subject to a 10% federal income tax penalty.

$100 to open, and you can add as little as $50 at a time.

There's no minimum for any single term, so you can split one deposit across several if you want.

$2,000,000 — and that's an aggregate figure across everything, your Flex account and your Retirement Flex account combined, not $2M for each.

The older product was built around a single deposit: 3–10 year terms, a $1,000 minimum, and no way to add money without opening an entirely new contract. Flex starts at $100 (with $50 add-ons), offers 1–10 year terms (1–9 in California), lets you add money to the same account whenever you want, and lets you withdraw some of it yourself online — up to your penalty-free amount (which includes 10% of your term balance each year).

The Cash Wallet is the part of your account that isn't committed to a term. It earns interest, and it's available from the day your contract starts.

You can do three things with it. Leave it there and keep earning, move it into a term to lock in a guaranteed rate for a specific period, or withdraw it. There's no early withdrawal fee and no market value adjustment on Cash Wallet money, so you can take it out anytime with no charge. Of course, for Retirement Flex, an IRS tax penalty may apply if you are under age 59½.

Because it isn't locked, the rate can change at any time. Money that arrives without instructions goes to your Cash Wallet by default, and so does money available at the end of a term, if you haven't told us what to do with it.

Gainbridge Save is a legacy product in our family of annuities. Gainbridge Save has been replaced by Gainbridge Flex℠, which offers 1–10 year terms (1–9 in California), a $100 minimum, and the ability to add money to your account at any time without reapplying. If you opened a fixed Save account before Flex launched on October 13, 2026, it stays in your portal and keeps its terms until its maturity date. New fixed accounts can no longer be opened.