3-Year MYGA Rates: The Full Market Table

Every visible 3-year multi-year guaranteed annuity rate in the live CANNEX feed - 186 rate rows across 56 carriers, as of July 14, 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.

6.13%

Top 3-year rate

4.77%

Market average

4.80%

Median rate

186

Rate rows listed

Today's top 3-year rate: 6.13% 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 July 14, 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 186 of 186 3-year MYGA rate rows.

#	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	6.13%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	6.03%	B	Varies
3	Canvas Annuity	Canvas Future FundFlat rate	6.00%	B++	Varies
4	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.00%	B+	Varies
5	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.00%	B	Varies
6	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.90%	B	Varies
7	Wichita National Life Insurance	Security MYGAFlat rate	5.85%	B+	Varies
8	Mountain Life Insurance Company	Secure SummitFlat rate	5.85%	B+	Varies
9	Knighthead Life	StaysailFlat rate	5.80%	A-	$100,000+
10	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.80%	B++	Varies
11	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.45% first year / 5.45% renewal	5.78%	B	Varies
12	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.75%	B++	Varies
13	Mountain Life Insurance Company	Alpine HorizonFlat rate	5.75%	B+	Varies
14	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
15	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	5.70%	A	$100,000+
16	Knighthead Life	StaysailFlat rate	5.70%	A-	$100,000+
17	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.70%	B++	Varies
18	Wichita National Life Insurance	Security MYGAFlat rate	5.70%	B+	Varies
19	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.70%	B	Varies
20	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.35% first year / 5.35% renewal	5.68%	B	Varies
21	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.65%	B++	Varies
22	Mountain Life Insurance Company	Secure SummitFlat rate	5.60%	B+	Varies
23	NexAnnuity	Nex MYGAFlat rate	5.60%	B+	Varies
24	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.55%	B++	Varies
25	Revol One Financial	DirectGrowth MYGAFlat rate	5.55%	B++	Varies
26	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	5.50%	A	$100,000+
27	Axonic Insurance Services	Waypoint MYGAFlat rate	5.50%	A-	$100,000+
28	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.50%	B++	Varies
29	NexAnnuity	Nex MYGAFlat rate	5.50%	B+	Varies
30	Corebridge Financial	American Pathway Fixed 7 AnnuityFlat rate	5.45%	A	$100,000+
31	Revol One Financial	DirectGrowth MYGAFlat rate	5.45%	B++	Varies
32	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.45%	B++	Varies
33	NexAnnuity	Nex MYGAFlat rate	5.45%	B+	Varies
34	Knighthead Life	StaysailFlat rate	5.40%	A-	$100,000+
35	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
36	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.35%	A+	Varies
37	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.35%	A+	Varies
38	Revol One Financial	DirectGrowth MYGAFlat rate	5.35%	B++	Varies
39	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.35%	B++	Varies
40	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.35%	B++	Varies
41	NexAnnuity	Nex MYGAFlat rate	5.35%	B+	Varies
42	Knighthead Life	StaysailFlat rate	5.30%	A-	$100,000+
43	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.30%	B++	Varies
44	American National Insurance Company	Palladium MYG MaxFlat rate	5.25%	A	$100,000 - $250,000
45	Axonic Insurance Services	Incline MYGAFlat rate	5.25%	A-	$100,000+
46	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.25%	B++	Varies
47	American Life & Security Corp	American ClassicStep schedule: 5.55% first year / 5.10% renewal	5.25%	B++	Varies
48	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.20%	A-	$100,000+
49	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.20%	B++	Varies
50	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.20%	B++	Varies
51	NexAnnuity	Nex MYGAFlat rate	5.20%	B+	Varies
52	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	5.15%	A	$100,000+
53	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.15%	A-	$100,000+
54	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.15%	B++	Varies
55	Pacific Life Insurance Company	Pacific HarborFlat rate	5.10%	A+	Up to $200,000
56	American National Insurance Company	Palladium MYGFlat rate	5.10%	A	$100,000 - $250,000
57	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
58	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.10%	A-	$100,000+
59	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.10%	B++	Varies
60	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.05%	A+	$100,000 - $250,000
61	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.05%	A+	$100,000+
62	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.05%	A	$100,000+
63	American National Insurance Company	Palladium Match MYGFlat rate	5.05%	A	$100,000 - $250,000
64	Delaware Life	Apex MYGAFlat rate	5.05%	A-	$100,000+
65	Delaware Life	Pinnacle Plus MYGAFlat rate	5.05%	A-	$100,000+
66	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.05%	B++	Varies
67	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.00%	A+	$100,000+
68	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.00%	A+	$100,000+
69	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
70	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.00%	A	Varies
71	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.00%	B++	Varies
72	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	4.95%	A++	$100,000 - $1,000,000
73	Athene Annuity and Life Company	Athene MYGFlat rate	4.95%	A+	$100,000+
74	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	4.95%	A+	$100,000+
75	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.95%	A	$100,000+
76	GBU Financial Life Insurance Company	Asset GuardFlat rate	4.95%	A-	$100,000+
77	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.95%	A-	$100,000+
78	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	4.95%	A-	$75,000+
79	Delaware Life	Apex ControlFlat rate	4.95%	A-	$100,000+
80	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	4.90%	A++	$100,000+
81	Pacific Life Insurance Company	Expedition IIFlat rate	4.90%	A+	$100,000+
82	Symetra Life Insurance Company	Select MaxFlat rate	4.90%	A	$100,000 - $250,000
83	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	4.90%	A	$100,000+
84	Sagicor Life Insurance Company	Milestone MYGAFlat rate	4.90%	A-	$100,000+
85	GCU Insurance	Triple Advantage PLUSFlat rate	4.90%	A-	$50,000+
86	Athene Annuity and Life Company	Athene MYGFlat rate	4.85%	A+	$100,000+
87	Pacific Life Insurance Company	Expedition IIFlat rate	4.85%	A+	$100,000+
88	Symetra Life Insurance Company	Select ProFlat rate	4.85%	A	$100,000 - $250,000
89	Oxford Life Insurance Company	Multi SelectFlat rate	4.85%	A	Varies
90	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.85%	A	$100,000+
91	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.85%	A-	$100,000+
92	Talcott Financial Group	EverStead MYGAFlat rate	4.85%	A-	$100,000 - $500,000
93	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	4.80%	A+	$100,000 - $500,000
94	The Standard	Multi-Choice AnnuityFlat rate	4.80%	A	$100,000+
95	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	4.80%	A-	$100,000+
96	Athene Annuity and Life Company	Athene MaxRateFlat rate	4.75%	A+	$100,000+
97	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.75%	A+	$100,000+
98	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	4.75%	A+	$100,000+
99	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.75%	A	$100,000+
100	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	4.75%	A	Varies
101	The Standard	Focused Growth AnnuityFlat rate	4.75%	A	$100,000+
102	The Standard	Multi-Choice AnnuityFlat rate	4.75%	A	$100,000+
103	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	4.75%	A	$100,000+
104	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
105	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.75%	A-	$100,000+
106	Aspida Life Insurance Company	WealthLock MYGAFlat rate	4.75%	A-	$100,000+
107	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.05% first year / 4.05% renewal	4.71%	A+	Varies
108	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	4.70%	A+	$100,000 - $500,000
109	Athene Annuity and Life Company	Athene MYGFlat rate	4.70%	A+	$100,000+
110	Pacific Life Insurance Company	Expedition IIFlat rate	4.70%	A+	$100,000+
111	Prudential Financial	Prudential WealthGuardFlat rate	4.70%	A+	$100,000+
112	Symetra Life Insurance Company	Select ProFlat rate	4.70%	A	$100,000 - $250,000
113	The Standard	Multi-Choice AnnuityFlat rate	4.70%	A	$100,000+
114	AuguStar Financial	LunarGuard MYGAFlat rate	4.70%	A	$100,000+
115	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.00% first year / 4.00% renewal	4.66%	A+	Varies
116	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.65%	A++	$100,000 - $1,500,000
117	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.65%	A+	$100,000+
118	AuguStar Financial	LunarLock MYGAFlat rate	4.65%	A	$100,000+
119	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.65%	A-	$100,000+
120	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.60%	A++	$100,000+
121	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.60%	A++	$100,000 - $1,500,000
122	The Standard	Multi-Choice AnnuityFlat rate	4.60%	A	$100,000+
123	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.60%	A	$100,000 - $250,000
124	AuguStar Financial	LunarGuard MYGAFlat rate	4.60%	A	$100,000+
125	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.60%	A-	$100,000+
126	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
127	AuguStar Financial	LunarLock MYGAFlat rate	4.55%	A	$100,000+
128	AuguStar Financial	LunarLock PrimeFlat rate	4.55%	A	$100,000+
129	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.55%	A-	$100,000+
130	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
131	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
132	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.50%	A-	$100,000+
133	SILAC Insurance Company	Secure Savings EliteFlat rate	4.50%	B+	Varies
134	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.45%	A++	$100,000+
135	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	4.45%	A	Varies
136	AuguStar Financial	LunarLock PrimeFlat rate	4.45%	A	$100,000+
137	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.45%	A-	$100,000+
138	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.45%	A-	$100,000+
139	SILAC Insurance Company	Secure Savings EliteFlat rate	4.44%	B+	Varies
140	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 5.10% first year / 4.10% renewal	4.43%	A+	Varies
141	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.40%	A++	$100,000+
142	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.40%	A	$100,000 - $250,000
143	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.40%	A-	$100,000+
144	SILAC Insurance Company	Secure Savings EliteFlat rate	4.40%	B+	Varies
145	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.35%	A++	$100,000+
146	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.35%	A	$100,000+
147	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.35%	A-	$100,000+
148	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.35%	A-	$100,000+
149	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	4.30%	A	$100,000+
150	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	4.30%	A	$100,000+
151	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.30%	A-	$100,000+
152	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.25%	A+	$100,000+
153	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.25%	A-	$100,000+
154	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.20%	A-	$100,000+
155	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.15%	A-	$100,000+
156	MassMutual Ascend Life Insurance Company	American Freedom Classic 3 - 2025Flat rate	4.10%	A++	$100,000+
157	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.10%	A+	$100,000+
158	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.10%	A+	$100,000+
159	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.10%	A+	$100,000+
160	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.10%	A	$100,000+
161	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.05%	A	$100,000 - $250,000
162	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.05%	A	$100,000+
163	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.05%	A-	$100,000+
164	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.00%	A+	$100,000+
165	MassMutual Ascend Life Insurance Company	SecureGain 3 - 2025Flat rate	3.95%	A++	$100,000+
166	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.90%	A+	$100,000+
167	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	3.90%	A-	$100,000 - $250,000
168	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.85%	A+	$100,000+
169	Symetra Life Insurance Company	Select Pro NYFlat rate	3.85%	A	$100,000 - $250,000
170	MassMutual Ascend Life Insurance Company	American Freedom Aspire 3Flat rate	3.75%	A++	$100,000+
171	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.75%	A+	$100,000+
172	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
173	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
174	Symetra Life Insurance Company	Select Pro NYFlat rate	3.65%	A	$100,000 - $250,000
175	United Life Insurance Company	Performance SPDAFlat rate	3.60%	A-	$100,000+
176	SILAC Insurance Company	Secure Savings EliteFlat rate	3.50%	B+	Varies
177	MassMutual Ascend Life Insurance Company	SecureGain 3Flat rate	3.45%	A++	$100,000+
178	United Life Insurance Company	Performance SPDAFlat rate	3.45%	A-	$100,000+
179	SILAC Insurance Company	Secure Savings EliteFlat rate	3.44%	B+	Varies
180	MassMutual Ascend Life Insurance Company	SecureGain 3Flat rate	3.40%	A++	$100,000+
181	SILAC Insurance Company	Secure Savings EliteFlat rate	3.40%	B+	Varies
182	American National Insurance Company	Palladium MYGFlat rate	3.15%	A	$100,000 - $250,000
183	SILAC Insurance Company	Secure SavingsFlat rate	3.15%	B+	Varies
184	Investors Heritage	Heritage Builder AnnuityFlat rate	3.00%	B++	Varies
185	Nationwide Life Insurance Company	Platinum EdgeFlat rate	2.70%	A+	Varies
186	Corebridge Financial	Future AchieverFlat rate	0.25%	A	$100,000+

25th-75th percentile band: 4.43% to 5.20%. Lowest listed rate: 0.25%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 3-year MYGA rate index

5.94%+27 bps today

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 4.77% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.50% → Jul 14, 2026: 5.67% · range 5.50%-5.67%

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

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See current rates for your state, premium, and age in a personalized comparison - including premium bands not shown at the $100,000 default.

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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

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 currently lists 186 3-year rate rows from the live 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 rows 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 through the AdvisorWorld public API, as of July 14, 2026, at a $100,000 premium with no state filter. The rate index is computed from the same feed 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.