Gainbridge CD rates
Gainbridge doesn't sell bank CDs. Its CD alternative is Gainbridge Save, a fixed annuity that locks a guaranteed rate — currently 4.25% to 6.10% depending on term and deposit size — with a $1,000 minimum. Here's how those rates and protections compare to the best bank CDs.
Gainbridge Save Traditional rates
Flexible savings goals — earnings are taxed each year, like a CD.
| Term | $1,000–$99,999 | $100,000+ |
|---|---|---|
| 1 year | 4.25% | 4.40% |
| 2 years | 4.35% | 4.50% |
| 3 years | 5.00% | 5.30% |
| 4 years | 5.00% | 5.30% |
| 5 years | 5.20% | 5.50% |
| 6 years | 5.20% | 5.50% |
| 7 years | 5.30% | 5.60% |
| 8 years | 5.30% | 5.60% |
| 9 years | 5.30% | 5.60% |
| 10 years | 5.60% | 5.90% |
Gainbridge Save Retirement rates
Retirement savings — earnings grow tax-deferred until withdrawn.
| Term | $1,000–$99,999 | $100,000+ |
|---|---|---|
| 1 year | 4.25% | 4.40% |
| 2 years | 4.35% | 4.50% |
| 3 years | 5.20% | 5.50% |
| 4 years | 5.20% | 5.50% |
| 5 years | 5.40% | 5.70% |
| 6 years | 5.40% | 5.70% |
| 7 years | 5.50% | 5.80% |
| 8 years | 5.50% | 5.80% |
| 9 years | 5.50% | 5.80% |
| 10 years | 5.80% | 6.10% |
Rates verified in Gainbridge's enrollment flow, September 2026. Deposits of $100,000+ unlock a rate boost. Rates change often — confirm current rates at gainbridge.com.
Gainbridge vs a bank CD
| Gainbridge Save | Bank CD | |
|---|---|---|
| Issued by | Gainbridge Life Insurance Company (A- AM Best) | FDIC-insured bank |
| Protection | State guaranty association (often $250k, varies by state) | FDIC up to $250,000 |
| Terms | 3 to 10 years | 3 months to 5+ years |
| Minimum deposit | $1,000 | Often $0 to $1,000 |
| Early access | 10% free each year, then surrender charge | Early-withdrawal penalty |
| Taxes | Traditional: taxed yearly like a CD. Retirement: tax-deferred | Taxed yearly |
The key difference is protection: Gainbridge is not FDIC insured. Read our full Gainbridge review before you decide.
Top 12-month bank CD rates today
Want FDIC insurance instead? These are the best 1-year CDs we track, updated daily.
North American Savings Bank FSB
12-Month Jumbo CD Special
APY
4.50%
Min. deposit
$100,000
Term
12 mo
HAB Bank
CD
APY
4.50%
Min. deposit
$1,500
Term
12 mo
Quorum Federal Credit Union
CD
APY
4.35%
Min. deposit
$100
Term
12 mo
E*TRADE
CD
APY
4.35%
Min. deposit
$500
Term
12 mo
ValorFI Heroes
CD
APY
4.25%
Min. deposit
$500
Term
12 mo
Frequently asked questions
Does Gainbridge offer CDs?+
No. Gainbridge is not a bank, so it does not issue certificates of deposit. What people call 'Gainbridge CDs' are Gainbridge Save annuities — multi-year guaranteed annuities (MYGAs) that lock a fixed rate for a set term, much like a CD.
What are Gainbridge's current rates?+
As of September 2026, Gainbridge Save Traditional pays 4.25%–5.60% depending on term and deposit size, and Save Retirement pays 4.25%–6.10%. Deposits of $100,000 or more unlock a rate boost of roughly 0.15–0.30 percentage points. Rates change often, so confirm the current rate on Gainbridge's site before you apply.
Is Gainbridge FDIC insured?+
No. Gainbridge annuities are backed by the insurer's financial strength and by your state's life and health insurance guaranty association, not the FDIC. Our full Gainbridge review covers the details.
What happened to FastBreak and SteadyPace?+
In 2026 Gainbridge renamed its products. FastBreak became Gainbridge Save Traditional and SteadyPace became Gainbridge Save Retirement. Rates and terms carried over.
Is a Gainbridge annuity better than a CD?+
It usually pays more for multi-year terms, but you give up FDIC insurance and face surrender charges beyond the 10% yearly free withdrawal. It fits money you can leave alone for 3+ years; a CD fits shorter goals or anyone who wants FDIC protection.
Annuity rates and availability change often and vary by state. This page is educational, not financial advice.