准备存3年，几十万的样子。这是给的qu?o?te

Brokered CD

12?month brokered CD: 3.90%

Non?callable

FDIC?insured, subject to FDIC limits

 

Fixed Annuity Options

Annuity rates depend on the term selected and are backed by the financial strength and credit ratings of the issuing insurance company.

3?Year Fixed Annuity (Minimum $100,000):

ROP (Return of Premium): 4.60%

Non?ROP: 4.85%

5?Year Fixed Annuity:

ROP (Return of Premium): 4.85%

Non?ROP: 5.10%

ROP vs. Non?ROP Overview:

ROP (Return of Premium): Allows you to surrender the annuity before maturity and receive 100% of your original principal back, with no surrender charges.

Non?ROP: Offers a higher guaranteed rate, but standard surrender charges apply if the annuity is surrendered early during the surrender period.