Annuity Atlas
Reviews

Expert review · 2026

GCU review

Annuity Atlas covers 6 GCU annuity products with live rates and contract specs. 6 carry full editorial reviews.

Carrier strength

A-
A.M. Best
Products6
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Products covered
6
A.M. Best
A-
Categories covered
MYGA · FIA
01

6 GCU annuities

Click any product for rates, specs, and the full peer-group review.

ProductTypeSurrenderRatingIncome riderBonus
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
MYGA3yrA-——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
MYGA5yrA-——Review →
Aquila V
A buyer who wants indexed upside on a short five-year commitment, with no market value adjustment and a 10% annual withdrawal allowance from the second year
FIA5yrA-——Review →
Aquila X
A long-horizon buyer who wants the two-year crediting terms and the wider rider menu that only the ten-year chassis offers, and who has no market value adjustment tolerance
FIA10yrA-—BonusReview →
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
MYGA5yrA-——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
MYGA8yrA-——Review →
02

Income rider fees

Disclosed charges for optional riders on GCU products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Income EliteAquila X0.95% annually
Income ProAquila X0.50% annually
03

Frequently asked questions

Is GCU a good annuity company?
We have reviewed 6 GCU products, and A.M. Best rates the carrier A- for financial strength.
What are the fees for GCU annuities?
Fee structures vary by product. Optional income riders on GCU products carry disclosed charges — for example Income Elite (Aquila X): 0.95% annually ; Income Pro (Aquila X): 0.50% annually . See each product review for the full fee detail.
What is the surrender period for GCU annuities?
Surrender periods on GCU's current lineup run 3–10 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.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure — minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
Full methodology →Who publishes this →

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