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10%
Free W/D
29
Available jurisdictions
Product data status: July 17, 2026
Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Free Comparison Report
See how Aquila V compares for your age, state, premium, and income goals alongside other GCU fixed indexed annuity options.
Live rate data
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this GCU product.
Live product data
Rates as of July 17, 2026, from AdvisorWorld and CANNEX.
A current headline metric is not available for this product. Confirm current terms with the carrier.
A five-year-surrender fixed indexed annuity from GCU, an A- AM Best–rated fraternal carrier, built for indexed accumulation on a short annual-reset participation-rate menu plus a fixed-account option, with no cap-style headline and no income rider.
Best fit
Buyers in one of GCU's roughly 29 filing states who want a shorter (five-year) FIA surrender commitment, prefer a small focused annual-reset strategy menu, are comfortable with participation-rate crediting on volatility-controlled indexes, and don't need a guaranteed lifetime-income rider built into the contract.
AM Best
A- Excellent
Surrender period
5 years
Free withdrawal
10%/yr
Availability
29 jurisdictions (restricted footprint)
Caps, participation rates, and declared rates are shown separately.
Fixed Account
Fixed Account
4.25% declared rate
Fixed account
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Income rider
Income rider
Income rider
Product analyst notes
Not ideal for
Buyers who want an annual point-to-point cap on the spot S&P 500 as the headline, who want a multi-year crediting term option, who need a contractually guaranteed GLWB rider, who want a premium bonus or death-benefit roll-up, or who live in New York, Nebraska, or any other state not on the carrier's restricted filing list. The minimum participation floor is also materially below current rates, so buyers who can't tolerate renewal-rate compression toward that floor should evaluate a different chassis.
Free Comparison Report
See how Aquila V compares for your age, state, premium, and income goals alongside other GCU fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 130% · 1-yr
Barclays Zorya 5% Index
participation
Par: 105% · 1-yr
Barclays Zorya 5% Index
participation
Par: 65% · 1-yr
Barclays US Tech 12% Index
participation
Par: 55% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
Par: 50% · 1-yr
Barclays US Tech 12% Index
participation
Par: 35% · 1-yr
S&P 500 Dynamic Intraday TCA Index (USD) ER
participation
Fixed: 4.25% · 1-yr
Fixed Account
fixed
Income rider
GLWB
Income rider
GLWB
Income rider
GLWB
A negative index return by itself does not reduce the contract's account value: Aquila V credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
Use "Compare against" in the analyzer to overlay another current Aquila V strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Guaranteed minimum interest rate for the fixed account.
Minimum guaranteed participation rate for participation-rate indexed strategies.
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
Yr 1
9%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
product guide
Direct link not published — request the document from the carrier.
rate sheet
Direct link not published — request the document from the carrier.
product guide
Direct link not published — request the document from the carrier.
Crediting design
Aquila V currently shows 7 indexed or fixed crediting options, including Fixed Account, with 6 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
Income rider language
Income Pro is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
Liquidity terms
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
Verification note
Carrier materials such as GCU_Aquila_Brochure.pdf and Aquila-V-and-X-Rates.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Free Comparison Report
See how Aquila V compares for your age, state, premium, and income goals alongside other GCU fixed indexed annuity options.