GCU review

Annuity Atlas has published 4 editorial reviews of GCU products. Average peer-group rating 3.7 / 5, top-rated product earns 4.2 / 5. Browse the full lineup below.

Our rating

3.7

Avg ★ / 5

Products reviewed4

A.M. BestA-

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Reviews published

Average rating

★ 3.7 / 5

A.M. Best

A-

Categories covered

MYGA

4 GCU annuities reviewed

Sorted by star rating. Click any product for the full peer-group review.

Product	Type	Surrender	Rating	Income rider	Bonus
Flex 5 Advantage Buyers who want a competitive current declared rate, a fast-declining surrender schedule, and no market value adjustment, and who are comfortable with a rate that can reset before the surrender period is over	MYGA	5yr	A-	—	—	Review →
Triple Advantage Plus Buyers depositing $50,000 or more who want a genuinely fixed rate that stops changing the moment they sign, with no renewal-date guesswork three years from now	MYGA	3yr	A-	—	—	Review →
Flex 8 Buyers who want GCU's current best rate, are comfortable holding the contract for the full 8 years, and won't need more than the 10% free-withdrawal allowance	MYGA	8yr	A-	—	—	Review →
One Plus Four GCU members past Flex 5 Advantage's age-88 issue cutoff, or savers who specifically want a one-year rate lock with a built-in decision point rather than a multi-year commitment made on day one	MYGA	5yr	A-	—	—	Review →

Frequently asked questions

Is GCU a good annuity company?

GCU earns an average rating of 3.7/5 across the 4 products we've reviewed, and A.M. Best rates the carrier A- for financial strength.

What is the surrender period for GCU annuities?

Surrender periods on GCU's current lineup run 3–8 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.

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