3-Year MYGA Rates: The Full Market Table

Every visible 3-year multi-year guaranteed annuity rate in the CANNEX feed - 187 rates across 56 carriers, as of August 3, 2026. Ranked by guaranteed rate with AM Best ratings and premium bands, so mid-market and low-end rates are visible, not just the top of the leaderboard.

6.80%

Top 3-year rate

4.86%

Market average

4.90%

Median rate

187

Rates listed

top 3-year rate: 6.80% from Atlantic Coast Life (AM Best B).

Full market

All 3-year MYGA rates, filterable

The complete 3-year table at a $100,000 premium, as of August 3, 2026. Filter by minimum AM Best rating or carrier. For state- and premium-specific results, use the MYGA rate finder; for the ranked shortlist, see best 3-year MYGA rates.

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Showing 187 of 187 3-year MYGA rates.

#	Carrier	Product	3-Year Guaranteed Rate	AM Best	Premium
1	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 6.80% first year / 5.80% renewal	6.80%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	6.70%	B	Varies
3	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.45% first year / 5.45% renewal	6.45%	B	Varies
4	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.35% first year / 5.35% renewal	6.35%	B	Varies
5	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.20% first year / 4.20% renewal	6.20%	A+	Varies
6	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.15% first year / 4.15% renewal	6.15%	A+	Varies
7	Canvas Annuity	Canvas Future FundFlat rate	6.00%	B++	Varies
8	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.00%	B+	Varies
9	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.00%	B	Varies
10	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.90%	B	Varies
11	Revol One Financial	DirectGrowth MYGAFlat rate	5.85%	B++	Varies
12	Wichita National Life Insurance	Security MYGAFlat rate	5.85%	B+	Varies
13	Mountain Life Insurance Company	Secure SummitFlat rate	5.85%	B+	Varies
14	Knighthead Life	StaysailFlat rate	5.80%	A-	$100,000+
15	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.80%	B++	Varies
16	Revol One Financial	DirectGrowth MYGAFlat rate	5.75%	B++	Varies
17	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.75%	B++	Varies
18	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.75%	B++	Varies
19	Mountain Life Insurance Company	Alpine HorizonFlat rate	5.75%	B+	Varies
20	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
21	Corebridge Financial	American Pathway Fixed 7 AnnuityStep schedule: 5.70% first year / 5.10% renewal	5.70%	A	$100,000+
22	Knighthead Life	StaysailFlat rate	5.70%	A-	$100,000+
23	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.70%	B++	Varies
24	Wichita National Life Insurance	Security MYGAFlat rate	5.70%	B+	Varies
25	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.70%	B	Varies
26	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.65%	B++	Varies
27	Revol One Financial	DirectGrowth MYGAFlat rate	5.65%	B++	Varies
28	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.65%	B++	Varies
29	Mountain Life Insurance Company	Secure SummitFlat rate	5.60%	B+	Varies
30	NexAnnuity	Nex MYGAFlat rate	5.60%	B+	Varies
31	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.55%	B++	Varies
32	American Life & Security Corp	American ClassicStep schedule: 5.55% first year / 5.10% renewal	5.55%	B++	Varies
33	Corebridge Financial	American Pathway Fixed 5 AnnuityStep schedule: 5.50% first year / 5.10% renewal	5.50%	A	$100,000+
34	Axonic Insurance Services	Waypoint MYGAFlat rate	5.50%	A-	$100,000+
35	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.50%	B++	Varies
36	NexAnnuity	Nex MYGAFlat rate	5.50%	B+	Varies
37	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.45%	A+	Varies
38	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.45%	A+	Varies
39	Corebridge Financial	American Pathway Fixed 7 AnnuityStep schedule: 5.45% first year / 4.85% renewal	5.45%	A	$100,000+
40	NexAnnuity	Nex MYGAFlat rate	5.45%	B+	Varies
41	Knighthead Life	StaysailFlat rate	5.40%	A-	$100,000+
42	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
43	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.35%	B++	Varies
44	NexAnnuity	Nex MYGAFlat rate	5.35%	B+	Varies
45	Knighthead Life	StaysailFlat rate	5.30%	A-	$100,000+
46	Axonic Insurance Services	Incline MYGAFlat rate	5.30%	A-	$100,000+
47	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.30%	B++	Varies
48	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 5.25% first year / 4.25% renewal	5.25%	A+	Varies
49	Pacific Life Insurance Company	Pacific HarborFlat rate	5.25%	A+	Up to $200,000
50	American National Insurance Company	Palladium MYG MaxFlat rate	5.25%	A	$100,000 - $250,000
51	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.25%	B++	Varies
52	Symetra Life Insurance Company	Select MaxFlat rate	5.20%	A	$100,000 - $250,000
53	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.20%	A	$100,000+
54	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.20%	B++	Varies
55	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.20%	B++	Varies
56	NexAnnuity	Nex MYGAFlat rate	5.20%	B+	Varies
57	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.15%	A+	$100,000+
58	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.15%	A+	$100,000 - $250,000
59	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.15%	A+	$100,000+
60	Corebridge Financial	American Pathway Fixed 5 AnnuityStep schedule: 5.15% first year / 4.85% renewal	5.15%	A	$100,000+
61	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.15%	A-	$100,000+
62	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.15%	B++	Varies
63	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.15%	B++	Varies
64	Athene Annuity and Life Company	Athene MYGFlat rate	5.10%	A+	$100,000+
65	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.10%	A+	$100,000+
66	American National Insurance Company	Palladium MYGFlat rate	5.10%	A	$100,000 - $250,000
67	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
68	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.10%	A-	$100,000+
69	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.10%	B++	Varies
70	Pacific Life Insurance Company	Expedition IIFlat rate	5.05%	A+	$100,000+
71	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.05%	A+	$100,000+
72	Symetra Life Insurance Company	Select ProFlat rate	5.05%	A	$100,000 - $250,000
73	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.05%	A	$100,000+
74	Oxford Life Insurance Company	Multi SelectFlat rate	5.05%	A	Varies
75	American National Insurance Company	Palladium Match MYGFlat rate	5.05%	A	$100,000 - $250,000
76	Delaware Life	Apex MYGAFlat rate	5.05%	A-	$100,000+
77	Delaware Life	Pinnacle Plus MYGAFlat rate	5.05%	A-	$100,000+
78	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.05%	B++	Varies
79	Athene Annuity and Life Company	Athene MYGFlat rate	5.00%	A+	$100,000+
80	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
81	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.00%	A	Varies
82	GCU Insurance	Triple Advantage PLUSFlat rate	5.00%	A-	$50,000+
83	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	4.95%	A++	$100,000 - $1,000,000
84	Athene Annuity and Life Company	Athene MaxRateFlat rate	4.95%	A+	$100,000+
85	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.95%	A+	$100,000+
86	Symetra Life Insurance Company	Select ProFlat rate	4.95%	A	$100,000 - $250,000
87	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	4.95%	A	$75,000+
88	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.95%	A	$100,000+
89	GBU Financial Life Insurance Company	Asset GuardFlat rate	4.95%	A-	$100,000+
90	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.95%	A-	$100,000+
91	Delaware Life	Apex ControlFlat rate	4.95%	A-	$100,000+
92	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	4.90%	A++	$100,000+
93	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.90%	A++	$100,000 - $1,500,000
94	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	4.90%	A+	$100,000 - $500,000
95	Athene Annuity and Life Company	Athene MYGFlat rate	4.90%	A+	$100,000+
96	Sagicor Life Insurance Company	Milestone MYGAFlat rate	4.90%	A	$100,000+
97	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.85%	A++	$100,000+
98	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.85%	A++	$100,000 - $1,500,000
99	Pacific Life Insurance Company	Expedition IIFlat rate	4.85%	A+	$100,000+
100	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.85%	A+	$100,000+
101	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	4.85%	A+	$100,000+
102	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.85%	A	$100,000+
103	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.85%	A-	$100,000+
104	Talcott Financial Group	EverStead MYGAFlat rate	4.85%	A-	$100,000 - $500,000
105	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	4.80%	A+	$100,000 - $500,000
106	Prudential Financial	Prudential WealthGuardFlat rate	4.80%	A+	$100,000+
107	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.80%	A	$100,000+
108	The Standard	Multi-Choice AnnuityFlat rate	4.80%	A	$100,000+
109	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	4.80%	A-	$100,000+
110	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	4.75%	A	$100,000+
111	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	4.75%	A	Varies
112	The Standard	Focused Growth AnnuityFlat rate	4.75%	A	$100,000+
113	The Standard	Multi-Choice AnnuityFlat rate	4.75%	A	$100,000+
114	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	4.75%	A	$100,000+
115	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
116	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.75%	A-	$100,000+
117	Aspida Life Insurance Company	WealthLock MYGAFlat rate	4.75%	A-	$100,000+
118	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.70%	A++	$100,000+
119	Pacific Life Insurance Company	Expedition IIFlat rate	4.70%	A+	$100,000+
120	The Standard	Multi-Choice AnnuityFlat rate	4.70%	A	$100,000+
121	AuguStar Financial	LunarGuard MYGAFlat rate	4.70%	A	$100,000+
122	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.65%	A++	$100,000+
123	AuguStar Financial	LunarLock MYGAFlat rate	4.65%	A	$100,000+
124	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.65%	A-	$100,000+
125	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.60%	A++	$100,000+
126	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.60%	A	$100,000+
127	The Standard	Multi-Choice AnnuityFlat rate	4.60%	A	$100,000+
128	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.60%	A	$100,000 - $250,000
129	AuguStar Financial	LunarGuard MYGAFlat rate	4.60%	A	$100,000+
130	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.60%	A-	$100,000+
131	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
132	AuguStar Financial	LunarLock MYGAFlat rate	4.55%	A	$100,000+
133	AuguStar Financial	LunarLock PrimeFlat rate	4.55%	A	$100,000+
134	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.55%	A-	$100,000+
135	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
136	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
137	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.50%	A-	$100,000+
138	SILAC Insurance Company	Secure Savings EliteFlat rate	4.50%	B+	Varies
139	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.45%	A	$100,000+
140	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	4.45%	A	Varies
141	AuguStar Financial	LunarLock PrimeFlat rate	4.45%	A	$100,000+
142	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.45%	A-	$100,000+
143	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.45%	A-	$100,000+
144	SILAC Insurance Company	Secure Savings EliteFlat rate	4.44%	B+	Varies
145	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.40%	A+	$100,000+
146	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.40%	A	$100,000 - $250,000
147	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.40%	A-	$100,000+
148	SILAC Insurance Company	Secure Savings EliteFlat rate	4.40%	B+	Varies
149	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.35%	A	$100,000+
150	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.35%	A-	$100,000+
151	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.35%	A-	$100,000+
152	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	4.30%	A	$100,000+
153	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	4.30%	A	$100,000+
154	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.30%	A-	$100,000+
155	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.25%	A+	$100,000+
156	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.25%	A+	$100,000+
157	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.25%	A-	$100,000+
158	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.20%	A-	$100,000+
159	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.15%	A-	$100,000+
160	MassMutual Ascend Life Insurance Company	American Freedom Classic 3 - 2025Flat rate	4.10%	A++	$100,000+
161	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.10%	A+	$100,000+
162	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.10%	A	$100,000+
163	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.05%	A	$100,000 - $250,000
164	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.05%	A	$100,000+
165	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.05%	A-	$100,000+
166	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.00%	A+	$100,000+
167	MassMutual Ascend Life Insurance Company	SecureGain 3 - 2025Flat rate	3.95%	A++	$100,000+
168	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.90%	A+	$100,000+
169	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	3.90%	A-	$100,000 - $250,000
170	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.85%	A+	$100,000+
171	Symetra Life Insurance Company	Select Pro NYFlat rate	3.85%	A	$100,000 - $250,000
172	MassMutual Ascend Life Insurance Company	American Freedom Aspire 3Flat rate	3.75%	A++	$100,000+
173	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.75%	A+	$100,000+
174	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
175	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
176	Symetra Life Insurance Company	Select Pro NYFlat rate	3.65%	A	$100,000 - $250,000
177	United Life Insurance Company	Performance SPDAFlat rate	3.60%	A-	$100,000+
178	SILAC Insurance Company	Secure Savings EliteFlat rate	3.50%	B+	Varies
179	MassMutual Ascend Life Insurance Company	SecureGain 3Flat rate	3.45%	A++	$100,000+
180	United Life Insurance Company	Performance SPDAFlat rate	3.45%	A-	$100,000+
181	SILAC Insurance Company	Secure Savings EliteFlat rate	3.44%	B+	Varies
182	MassMutual Ascend Life Insurance Company	SecureGain 3Flat rate	3.40%	A++	$100,000+
183	SILAC Insurance Company	Secure Savings EliteFlat rate	3.40%	B+	Varies
184	American National Insurance Company	Palladium MYGFlat rate	3.15%	A	$100,000 - $250,000
185	SILAC Insurance Company	Secure SavingsFlat rate	3.15%	B+	Varies
186	Investors Heritage	Heritage Builder AnnuityFlat rate	3.00%	B++	Varies
187	Nationwide Life Insurance Company	Platinum EdgeFlat rate	2.70%	A+	Varies

25th-75th percentile band: 4.45% to 5.25%. Lowest listed rate: 2.70%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 3-year MYGA rate index

5.80%+3 bps vs. prior observation

The MYGA 3-Year Rate Index averages the top 10 declared 3-year guaranteed rates in the CANNEX feed under the index's own premium scenario, so it tracks the competitive top of the market rather than the whole-market average of 4.86% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.51% → Aug 3, 2026: 5.70% · range 5.51%-5.70%

Broader movement across all terms and product types is tracked on rate changes.

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MYGA rates by term

2-year MYGA ratesFull market table 4-year MYGA ratesFull market table 5-year MYGA ratesFull market table 6-year MYGA ratesFull market table 7-year MYGA ratesFull market table 10-year MYGA ratesFull market table 20-year MYGA ratesFull market table

Best 3-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

3-year MYGA rates FAQ

What is a 3-year MYGA?

A 3-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 3-year guarantee period. The rate shown is a guaranteed fixed rate, not a cap, participation rate, or illustration.

How is this different from the Best 3-Year MYGA Rates page?

The best-rates page ranks the top 25 3-year products. This hub shows the full visible 3-year market from the CANNEX feed - including mid-pack and low-end rates - with distribution stats so you can see where any quote falls. This page lists 187 3-year rates from the feed.

Why do 3-year MYGA rates differ so much across carriers?

Carriers price MYGA rates by financial-strength position, premium band, state approvals, and rate schedule. A higher rate often comes from a lower AM Best rated carrier, which is why the rating appears beside every rate in the table.

Is the 3-year rate locked for the whole term?

Most 3-year MYGAs credit one flat guaranteed rate for the full guarantee period. Some products use a step schedule with a different first-year rate; those products are labeled with their schedule in the table instead of being shown as a flat rate.

Are these rates FDIC insured?

No. MYGA guarantees are backed by the issuing insurance carrier's claims-paying ability, not FDIC insurance. State guaranty associations provide separate, limited coverage that varies by state.

Sources and data: all 3-year MYGA rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of August 3, 2026, at a $100,000 premium with no state filter. The rate index is computed from the same data and averages top declared rates only. Rates vary by state, premium band, and issue age. Educational only - not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.