The 2024 Quadrennial GCU Board of Directors Election is currently underway.


Flex 5 Advantage

Current New Issue Crediting Rate

5.20%; $300+

Effective 6/01/2024 - 6/30/2024
Issue Ages: 0 – 88
Minimum Guaranteed Rate: 3.00%
Minimum Initial Deposit: $300
Maximum Initial Deposit: $750,000
Eligible for Qualified Plans: Yes
Withdrawal provisions: Year One = 10% of the initial deposit
Surrender Charges: 9% - 7% - 5% - 3% - 1%
 Long Term Care Waiver: Yes
Terminal Illness Waiver: Yes

Your initial interest rate is guaranteed for the first year of the contract.

Additional Deposits permitted. 2

Death Benefit Waiver: As with all GCU Deferred Annuity Contracts, no surrender charges will be imposed on the death benefits paid under this contract.

Please note regarding benefits issued by Board Decree: While a specific benefit may be discontinued in the future, once it is on a contract, it may NOT be removed. Only new contracts issued after the change of the decree would be affected. 

1 Rate effective current month only

2 Please contact your agent or contact the GCU Home Office.

Please note: Any interest or gain in the withdrawal will be subject to taxes and, if withdrawn prior to age 59 ½, may also be subject to a 10% early distribution penalty imposed by the IRS. By IRS mandate, interest is always distributed first.

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When you talk with a GCU agent, they will work with you to put together a plan that fits your needs.

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