If you are a GCU member living in Texas and experiencing financial hardship due to the current Winter Weather Emergency Declaration, please contact our Call Center 1.855.306.0607. The GCU Agent and Member Portals will be down on Sunday, February 28th from 8 AM to 10 AM for routine maintenance.


Flex 5 Advantage

Current New Issue Crediting Rate


Effective 2/01/2021 - 2/28/2021
Issue Ages: 0 – 88
Minimum Guaranteed Rate: 1.25%
Minimum Initial Deposit: $300
Maximum Initial Deposit: $500,000
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Please note: Any interest or gain in the withdrawal will be subject to taxes and, if withdrawn prior to age 59 ½, may also be subject to a 10% early distribution penalty imposed by the IRS.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.

Find a GCU Agent

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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