Current Annuity Rates
Compare today's MYGA rates, fixed indexed annuity cap rates, and immediate annuity income estimates. Rates shown are representative of top-tier carriers and are updated monthly.
Rates shown are representative examples from top-rated carriers and are for educational purposes only. Actual rates vary by carrier, state, premium amount, and individual circumstances. Contact a licensed professional for current quotes specific to your situation.
MYGA (Multi-Year Guaranteed Annuity) Rates — 2026
A MYGA is a fixed annuity that guarantees a set interest rate for a specified term — similar to a bank CD but with tax-deferred growth and typically higher rates. The rates below represent the upper range available from A-rated or better carriers as of April 27, 2026.
| Term | Top Rate (Est.) | Min. Premium | Tax-Deferred | Action |
|---|---|---|---|---|
| 2-Year MYGA | 5.30% | $10,000 | Yes | Get Quote |
| 3-Year MYGA | 5.55% | $10,000 | Yes | Get Quote |
| 4-Year MYGA | 5.70% | $10,000 | Yes | Get Quote |
| 5-Year MYGA | 5.85% | $10,000 | Yes | Get Quote |
| 6-Year MYGA | 5.90% | $10,000 | Yes | Get Quote |
| 7-Year MYGA | 6.10% | $10,000 | Yes | Get Quote |
| 10-Year MYGA | 5.95% | $25,000 | Yes | Get Quote |
★ Highlighted rows represent the most popular terms. Rates are representative and subject to change. Actual rates depend on carrier, state, and premium amount.
Ready to See Rates Specific to Your Situation?
The rates above are representative examples. A licensed retirement income professional can provide current, personalized quotes based on your age, state, and investment amount — at no cost or obligation.
Understanding Annuity Rates: What the Numbers Mean
MYGA Rates Are Guaranteed
Unlike bank savings rates that can change daily, a MYGA rate is locked in for the full contract term. If you purchase a 5-year MYGA at 5.85%, that rate applies for all five years — regardless of what interest rates do in the broader market.
FIA Rates Are Potential, Not Guaranteed
A fixed indexed annuity cap rate represents the maximum you could earn in a given year if the index performs well. In years when the index declines, your credited rate is 0% — you don't lose principal, but you also don't earn interest that year.
Income Annuity Rates Are Actuarial
SPIA and income rider payout rates are based on your age, life expectancy, and prevailing interest rates at the time of purchase. Older purchasers receive higher monthly payments because the payout period is statistically shorter.
Rates shown on this page are representative examples from top-rated carriers and are updated monthly. They are for educational and illustrative purposes only and do not constitute a guarantee, offer, or commitment to provide any specific rate. Actual rates depend on the carrier, state of issue, premium amount, age, and other factors. Annuity products are not FDIC-insured and are not bank products. Guarantees are subject to the claims-paying ability of the issuing insurance company. Consult a licensed insurance professional before making any financial decisions.