The 2024 GCU Board of Directors Results are now available.


Flex 8

Current New Issue Crediting Rate

5.35% $300+

Effective 7/01/2024 - 7/31/2024
Issue Ages: 0 – 85 
Minimum Guaranteed Rate:  3.00%
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:3 Yes
Terminal Illness Waiver:3 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 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.

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Please note: Any interest or gain in the withdrawal will be subject to taxes and, if withdrawn prior to age 59 ½, may also be subject to a 10% early distribution penalty imposed by the IRS.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

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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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