🔒 Rates updated weekly · Best 5-Year MYGA: 6.30% · Get your free comparison →
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Today's Best Fixed Annuity Rates

Current top rates from 50+ A-rated carriers. Rates shown are the highest available for standard underwriting and vary by state, age, and premium.

Rates as of: —
Next refresh: Monday
Verified: all carriers within 7 days
This Week's Top 3 Rates

The highest rates available this week. Each includes a free surrender-period penalty-free withdrawal allowance of up to 10% per year.

#1 · Best 5-Year
6.30%
Oceanview Life · A- (AM Best)
MYGA · 5-year $10K min
$100K grows to $135,878 at maturity
#2 · Best 3-Year
5.60%
Global Atlantic · A (AM Best)
MYGA · 3-year $25K min
$100K grows to $117,777 at maturity
#3 · Best Income
7.68%
American Equity · A-
SPIA · Life payout Age 68M
$300K premium → $1,920/month for life
MYGA Rates By Term Length

Highest and average rates available for each term. Longer terms typically pay more — but lock your money for longer.

2-Year
5.30%
Avg: 4.90%
3-Year
5.60%
Avg: 5.15%
MOST POPULAR
5-Year
6.30%
Avg: 5.75%
7-Year
6.45%
Avg: 5.95%
10-Year
6.65%
Avg: 6.10%
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Showing — rates from A-rated carriers
Last updated: —
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5-Year MYGA Rate History
Top available 5-year MYGA rate at end of each month, past 24 months.
Peak: 6.40% · Feb 2026
Low: 5.15% · Nov 2024
6.50% 6.00% 5.50% 5.00% 4.50% 5.35% Peak 6.40% Today: 6.30% Apr '24 Oct '24 Apr '25 Oct '25 Apr '26
Context: MYGA rates track closely with the 10-year Treasury yield plus a carrier spread. When the Fed signals rate cuts, top MYGA rates typically fall within 30-60 days. If you're considering a MYGA, locking in at today's rate guarantees your return for the full term regardless of what happens to rates.
Rate Disclosures: *SPIA and DIA payout rates are illustrative benchmarks based on age 68 male, $100,000 premium. Actual rates depend on your age, gender, state, premium, and carrier at time of application. Rate history chart is illustrative based on observed market top rates and should not be relied upon for investment decisions. Not FDIC insured. Subject to claims-paying ability of issuing insurer. Rates subject to change without notice.
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