Due to the unprecedented Coronavirus outbreak, the GCU Home Office is taking extra precautions to protect its employees and members. We are currently not allowing any members or vendors physical access to the GCU Office Complex. We are still available via phone 800-722-4428 or email info@gcuusa.com during regular business hours.


Flex 8

Current New Issue Crediting Rate

New Issues 3.50% Existing 3.25%

Effective 4/01/2020 - 4/30/2020
Issue Ages: 0 – 85 
Minimum Guaranteed Rate:  1.75%
Minimum Initial Deposit: $300
Maximum Initial Deposit: $1,000,000
Eligible for Qualified Plans: Yes
Withdrawal Provisions: Year One = 10% of the initial deposit
Surrender Charges: 9% - 8% - 7% - 6% - 5% - 4% - 3% - 2%
Long Term Care Waiver: Yes
Terminal Illness Waiver: Yes

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

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 specfic 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.

3 This benefit is currently provided by resolution of the GCU Board of Directors, is not contractual, and may be discontinued at any time.

Please note: Any interest or gain in the withdrawal will be subject to taxes and, if withdrawn prior to age 59 ½, may also be subject to a 10% early distribution penalty imposed by the IRS.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