MYGA Rates — Today's Best Multi-Year Guaranteed Annuity Rates
Compare guaranteed fixed rates from 1 carriers. Filter by term, premium, and state. Rates sourced from CANNEX.
Rates as of June 15, 2026
6.65%
Best 5-Yr
5.05%
Average
1
Carriers
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Rates sourced from CANNEX Financial Exchanges. Click any row for details. Subject to change — contact carriers for binding quotes.
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What is a MYGA?
A fixed interest rate guaranteed for a specified period. Your rate and principal are locked in for the entire term — no market risk.
Guaranteed Returns
Unlike CDs, MYGA rates are locked at issue and unaffected by market fluctuations. Tax-deferred growth until withdrawal.
Surrender Period
Most MYGAs match the surrender period to the term length. Penalty-free withdrawals (typically 10%/year) are available during the term.
Browse MYGA Rates by Carrier
Guardian Life Insurance Company
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Allianz
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AmFirst
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American Equity Investment Life Insurance Company
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American Life
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American National Life Insurance Company
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Americo
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Aspida
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Athene Annuity and Life Company
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Atlantic Coast Life
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AuguStar Financial
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Axonic Insurance Services (AIS)
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Frequently Asked Questions
What is a MYGA?
A Multi-Year Guaranteed Annuity provides a fixed interest rate guaranteed for a specified period, typically 3, 5, or 7 years. Your rate and principal are locked in for the entire term with no market risk.
How are MYGA rates guaranteed?
MYGA rates are locked at issue and remain guaranteed throughout the contract term. Unlike CDs, they offer tax-deferred growth until withdrawal.
What is a MYGA surrender period?
Most MYGAs include a surrender period matching the term length. Penalty-free withdrawals, typically 10% per year, are available during the term.
What is the minimum premium for a MYGA?
Minimum premiums vary by carrier and product, ranging from no minimum to $100,000 or more. Higher premiums often qualify for better rates.
Are MYGA rates taxed?
MYGA interest grows tax-deferred. You only pay taxes when you withdraw funds. If held in a qualified account like an IRA, distributions are taxed as ordinary income.