Better rates than a CD. Up to ${RATE_TD_UPTO} APY.
Your principal is 100% protected and your rate is locked in for the life of your term. No broker, no hidden fees, no surprises.
Predictable can be exciting
Gainbridge Save guarantees your growth for the entire term. You know exactly what you'll make and when, while keeping your initial deposit fully protected.
Guaranteed Rate
Your rate is locked in from day one. No surprises, no fluctuations.
10% annual free withdrawals
Access up to 10% of your balance each year without early withdrawal fees.
No hidden fees
No broker involved. No sales calls. What you see is what you get.
Built for savers. Taxed like a CD.
The Traditional account works like a CD. Your earnings are taxed each year as you go, so there's no lump-sum tax bill waiting for you at the end of your term. And there are no IRS age restrictions on when you can access your money.
This annuity may be a good fit if you're:
- Looking for a CD alternative with better rates
- Saving toward a goal without a specific retirement timeline
- Under 59 1/2 and want to avoid IRS early withdrawal penalties
- Trying to keep your tax situation predictable year over year
Good to know: Because you pay taxes as you go, the Traditional account gives you more flexibility on when and how you access your money.
Open an account in minutes
Put money in. Watch itwork. Get paid later.
Apply
Fill out a short application online with just the basic information needed to confirm your identity.
Fund
Transfer from a checking or savings account.
Grow
Your money starts earning right away. Log in anytime to track your earnings in real time.
More than a CD can offer
Gainbridge Save Annuity
Average fixed annuity
Average CD
APY
APY
APY
Guaranteed rate
Guaranteed rate
Guaranteed rate
Principal protected
Principal protected
Principal protected
Early access
Early access
Early access
Fees
Fees
Fees
Tax-deferred option
Tax-deferred option
Tax-deferred option
Non tax-deferred option
Non tax-deferred option
Non tax-deferred option
Save
Other annuities
APY
APY
Guaranteed rate
Guaranteed rate
Principal protected
Principal protected
Early access
Early access
Fees
Fees
Tax-deferred option
Tax-deferred option
Non tax-deferred option
Non tax-deferred option
Save
CDs
APY
APY
Interest rate guaranteed
Interest rate guaranteed
Principal protected
Principal protected
Early access
Early access
Fees
Fees
Tax-deferred option
Tax-deferred option
Non tax-deferred option
Non tax-deferred option
Questions?
You buy directly from us online, which means we don't pay agent commissions or broker fees. Those savings go straight to your rate.
No. Gainbridge Save is a fixed annuity issued by Gainbridge Life Insurance Company, while CDs are issued by banks. However, the Traditional option works similarly to a CD with fixed rates and interest taxable as earned.
Gainbridge has no annual fees or sales commissions.
Each year, you can withdraw up to 10% penalty-free. Withdrawals above that amount are subject to withdrawal charges and market value adjustments. In your first year, the 10% is calculated from your initial deposit. After that, it's based on your account value each anniversary.
Guaranteed growth at a fixed rate, principal protection (your balance can't decrease due to market conditions), predictable returns you can plan around, and flexibility in how your earnings are taxed. Annuities can provide guaranteed income in retirement and death benefits for beneficiaries.
What members are saying
"Simple straight forward product"
"Simple straight forward product that simulates the ease of a CD with a higher interest rate payout. Love it!"
"Rates are significantly better than CDs"
"Rates are significantly better than CDs. Opening an account was straightforward and very easy."
"What I love is it acts just like a CD, but with much higher rates."
"I was doing a general search on the highest rate CDs and came across Gainbridge. What I love is it acts just like a CD, but with much higher rates."
Your money should be working harder.
Open a Gainbridge Save Traditional account today. Guaranteed rate. Protected principal. No broker needed.