Up to ${RATE_TD_UPTO} guaranteed.
Better rate than your bank's CD.
Open an account online in minutes. Your money earns your locked in rate from day one.
Same guarantee, better rate
A bank CD keeps your money safe by providing principal protection and guaranteed growth. A Gainbridge Save℠ annuity does the same while earning more than 3x the national CD average.
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CDs
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What Gainbridge members are saying
"My local bank can't compete with them."
"Great staff to communicate with. They make it very simple and stress free. Great rates. This is my second year with them. My local bank can't compete with them."
"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."
"I feel secure buying an annuity from Gainbridge"
I feel secure buying an annuity from an A-rated company with strong finances. Without a long wait on the phone, knowledgeable & courteous customer service is available. Competitive interest rates."
Apply in minutes
Apply
Short online application with just basic information needed to confirm your identity.
Fund
Transfer funds from a checking or savings account.
Grow
Your rate is locked for the entire term. Watch your balance grow daily from your portal.
Why is the rate higher than bank CDs?
Banks are regulated to hold deposits in short-term, lower-yield investments. That caps what they can pay you.
Insurance companies like Gainbridge operate under different rules and can invest in longer-duration, investment-grade assets, which can result in higher-yielding assets.
When you lock in a term with us, we can pass that extra yield back to you as a higher rate. Your rate is still guaranteed for the full term, no matter what the market does.
Your principal is protected no matter what the market does. Your rate is fixed from day one.
Your interest is taxed each year as it's earned. Similar treatment as a bank CD, no surprise paperwork at tax time.
Withdraw up to 10% of your account value each year without fees. Most CDs lock you out until the term ends.
No account fees, no commissions, no charges buried in the fine print. The rate you see is the rate you earn, from day one to the end of your term.
Get a guaranteed rate.
Open your Save annuity account online in minutes. Lock in up to ${RATE_TD_UPTO} APY and let your savings earn what your bank won't pay.
Questions?
No. Gainbridge Save℠ is a fixed annuity issued by Gainbridge Life Insurance Company, while CDs are issued by banks.
However, a Gainbridge Save Traditional annuity works a lot like a CD (fixed rate, principal protected, term you choose), with 10% annual free withdrawals.
Banks are regulated to hold deposits in short-term, lower-yield investments. That caps what they can pay you.
Insurance companies like Gainbridge operate under different rules and can invest in longer-duration, investment-grade assets, which can result in higher-yielding assets.
When you lock in a term with us, we can pass that extra yield back to you as a higher rate. Your rate is still guaranteed for the full term, no matter what the market does.
Both offer fixed interest rates and protect your principal. Fixed annuities often have higher rates and can provide more flexibility in how earnings are taxed. CDs are FDIC-insured, while fixed annuities are backed by the issuing insurance company's financial strength.
Yes. You can withdraw your full balance at any time, but early withdrawal fees and a market value adjustment will apply to the amount over your 10% annual free withdrawal.
For example, if you have a $100,000 balance and withdraw the full amount in year 1, the first $10,000 is penalty-free.
The remaining $90,000 would be subject to an early withdrawal fee and potentially a market value adjustment.
Call 1-866-252-9439 or email team@gainbridge.com. Our 100% US-based team of licensed professionals are available Monday through Friday from 8AM to 5PM EST.
Want to fund with retirement money?
If you're rolling over an IRA or 401(k), open a Retirement Save account instead. Same guaranteed rates, structured for tax-deferred retirement savings.