Triple Advantage PLUS
GCU
4.9%
3-yr guarantee
10%
Free W/D
31
States
Live product data
Rates as of May 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.
3-year guaranteed rate
4.9% guaranteed for 3 years
A short three-year multi-year guaranteed annuity from GCU, an A- AM Best–rated fraternal carrier, sold with premium-banded guaranteed rates and a short surrender ladder, with no free-withdrawal allowance published on the live feed.
Best fit
Buyers in one of GCU's published filing states who want a defined three-year guarantee — for laddering, for capital with a near-term planned use, or as a short-duration safety bucket — and who do not need an annual free-withdrawal allowance during the term.
AM Best
A- Excellent
Surrender period
3 years
Availability
31 states
Product analyst notes
How to think about this contract
Why it can stand out
- Short three-year guarantee period gives a buyer a defined-rate alternative to a five- or seven-year MYGA, useful for staddering or for capital that has a near-term planned use.
- Multiple premium-band rates are quoted on the same three-year term, so a larger premium can earn a higher guaranteed rate than the carrier's base-band quote.
- Issuing carrier is A- AM Best–rated, an investment-grade strength view on a small fraternal-benefit society — a meaningful data point for a buyer who is unfamiliar with the carrier name.
What to confirm
- The live feed publishes no free-withdrawal allowance on this contract during the surrender period. Any withdrawal before the three-year term ends incurs a surrender charge under the published ladder — buyers who need annual liquidity should evaluate a MYGA that explicitly publishes a free-withdrawal feature.
- Only a 3-year term is published on this filing — the term menu does not include a 5-year, 7-year, or 10-year option. A buyer who wants a longer rate lock has to look at a different product.
- Filing is restricted by state — the live feed publishes a partial-availability list rather than full national coverage, and New York is among the jurisdictions the feed does not list. Confirm your state is in scope on the live state-availability list before evaluating further.
Not ideal for
Buyers who want a five- or seven-year MYGA, who need a published free-withdrawal allowance during the surrender period, or who live in a state not on the carrier's filing list (New York is among the jurisdictions not listed).
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.9% |
Key Features
Free withdrawal
0%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single lifeContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
5%
Yr 2
3%
Yr 3
1%
After
0%
Carrier Ratings
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