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3-Year MYGA Rates: The Full Market Table

Every visible 3-year multi-year guaranteed annuity rate in the CANNEX feed - 107 rates across 57 carriers, as of October 22, 2026. Ranked by comparable annual rate with AM Best ratings and premium bands; step products use full-term annual yield and retain their first-year and renewal context.

6.30%

Top 3-year rate

5.32%

Market average

5.50%

Median rate

107

Rates listed

top 3-year rate: 6.30% from Corebridge Financial (AM Best A).

Full market

All 3-year MYGA rates, filterable

The complete 3-year table at a $100,000 premium, as of October 22, 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 107 of 107 3-year MYGA rates.

#	Carrier	Product	3-Year Comparable Annual Rate	AM Best	Premium
1	Corebridge Financial	American Pathway Fixed 7 AnnuityFull-term annual yield · 6.30% first year / 5.70% renewal	6.30%	A	$100,000+
2	Canvas Annuity	Canvas Future FundFlat rate	6.30%	B++	Varies
3	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.20%	B-	Varies
4	Corebridge Financial	American Pathway Fixed 5 AnnuityFull-term annual yield · 6.10% first year / 5.70% renewal	6.10%	A	$100,000+
5	Revol One Insurance Company	DirectGrowth MYGAFlat rate	6.10%	B++	Varies
6	Wichita National Life Insurance	Security MYGAFlat rate	6.05%	B+	Varies
7	Mountain Life Insurance Company	Secure SummitFlat rate	6.05%	B-	Varies
8	CL Life and Annuity Insurance Company	CL SundanceFlat rate	6.00%	B++	Varies
9	Revol One Insurance Company	DirectGrowth MYGA CaliforniaFlat rate	6.00%	B++	Varies
10	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.00%	C+	Varies
11	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.90%	B++	Varies
12	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.80%	A+	Varies
13	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.80%	A+	Varies
14	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.80%	A-	$100,000+
15	Atlantic Coast Life	Safe Harbor Bonus GuaranteeFull-term annual yield · 6.80% first year / 5.80% renewal	5.79%	B	Varies
16	Atlantic Coast Life	Safe Haven Bonus GuaranteeFull-term annual yield · 6.45% first year / 5.45% renewal	5.78%	B	Varies
17	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.75%	A+	$100,000+
18	American National Insurance Company	Palladium MYG MaxFlat rate	5.75%	A	$100,000 - $250,000
19	Axonic Insurance Services	Waypoint MYGAFlat rate	5.75%	A-	$100,000+
20	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
21	Athene Annuity and Life Company	Athene MYGFlat rate	5.70%	A+	$100,000+
22	Pacific Life Insurance Company	Expedition IIFlat rate	5.70%	A+	$100,000+
23	Pacific Life Insurance Company	Pacific HarborFlat rate	5.70%	A+	Up to $200,000
24	Oxford Life Insurance Company	Multi SelectFull-term annual yield · 5.70% first year / 5.60% renewal	5.70%	A	Varies
25	Corebridge Financial	American Pathway AdvisoryFlat rate	5.70%	A	$100,000 - $250,000
26	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	5.70%	A-	$100,000+
27	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.70%	A-	$100,000+
28	Axonic Insurance Services	Incline MYGAFlat rate	5.70%	A-	$100,000+
29	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.70%	B++	Varies
30	Nationwide Life Insurance Company	Secure GrowthFlat rate	5.65%	A+	$100,000+
31	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.65%	A	$100,000+
32	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.65%	A	$100,000+
33	Delaware Life	Apex MYGAFlat rate	5.65%	A-	$100,000+
34	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.65%	A-	$100,000+
35	Delaware Life	Pinnacle Plus MYGAFlat rate	5.65%	A-	$100,000+
36	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	5.65%	A-	$100,000+
37	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.60%	A++	$100,000 - $1,000,000
38	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.60%	A+	$100,000+
39	American National Insurance Company	Palladium MYGFlat rate	5.60%	A	$100,000 - $250,000
40	Corebridge Financial	Pathway ChoiceFlat rate	5.60%	A	$100,000 - $250,000
41	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.60%	A-	$100,000+
42	Delaware Life	Apex ControlFlat rate	5.60%	A-	$100,000+
43	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.60%	B++	Varies
44	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	5.55%	A++	$100,000+
45	Prudential Financial	Prudential WealthGuardFlat rate	5.55%	A+	$100,000+
46	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	5.55%	A	$100,000 - $250,000
47	Symetra Life Insurance Company	Select MaxFlat rate	5.55%	A	$100,000 - $250,000
48	Symetra Life Insurance Company	Select ProFlat rate	5.55%	A	$100,000 - $250,000
49	American National Insurance Company	Palladium Match MYGFlat rate	5.55%	A	$100,000 - $250,000
50	Knighthead Life	StaysailCompound-equivalent annual rate · 5.85% simple interest quoted	5.54%	A-	$100,000+
51	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	5.50%	A++	$100,000 - $1,500,000
52	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.50%	A+	$100,000 - $250,000
53	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.50%	A+	$100,000+
54	Talcott Financial Group	EverStead MYGAFlat rate	5.50%	A-	$100,000 - $500,000
55	American Life & Security Corp	American ClassicFull-term annual yield · 5.80% first year / 5.35% renewal	5.50%	B++	Varies
56	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	5.45%	A++	$100,000+
57	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	5.45%	A++	$100,000 - $1,500,000
58	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.45%	A+	$100,000+
59	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.45%	A+	$100,000+
60	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.45%	A-	$100,000+
61	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.45%	A-	$100,000+
62	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.45%	B++	Varies
63	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.40%	A	$75,000+
64	AuguStar Financial	LunarLock MYGAFlat rate	5.40%	A	$100,000+
65	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
66	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.35%	A	$100,000+
67	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.35%	A	$100,000+
68	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.35%	B++	Varies
69	AuguStar Financial	LunarLock PrimeFlat rate	5.30%	A	$100,000+
70	Western-Southern Life Assurance Company	MultiRateFull-term annual yield · 6.60% first year / 4.60% renewal	5.26%	A+	Varies
71	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	5.25%	A++	$100,000+
72	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.25%	A+	$100,000 - $500,000
73	Corebridge Financial	Pathway Choice Prime NYFlat rate	5.25%	A	$100,000 - $250,000
74	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.20%	A+	$100,000+
75	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.20%	A	$100,000+
76	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.20%	A	$100,000+
77	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.20%	A-	$100,000+
78	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.15%	A	Varies
79	The Standard	Multi-Choice AnnuityFlat rate	5.15%	A	$100,000+
80	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.15%	A	$100,000+
81	AuguStar Financial	LunarGuard MYGAFlat rate	5.15%	A	$100,000+
82	MassMutual Ascend Life Insurance Company	American Freedom Classic 3 - 2025Flat rate	5.10%	A++	$100,000+
83	The Standard	Focused Growth AnnuityFlat rate	5.10%	A	$100,000+
84	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	5.05%	A	$100,000+
85	Corebridge Financial	Pathway Choice Focus NYFlat rate	5.05%	A	$100,000 - $250,000
86	MassMutual Ascend Life Insurance Company	American Freedom Aspire 3Flat rate	5.00%	A++	$100,000+
87	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	5.00%	A+	$100,000+
88	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.00%	A	Varies
89	GCU Insurance	Triple Advantage PLUSFlat rate	5.00%	A-	$50,000+
90	Integrity Life Insurance Company (W&S)	SPDA Series IIFull-term annual yield · 5.65% first year / 4.65% renewal	4.98%	A+	Varies
91	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.95%	A	$100,000+
92	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	4.95%	B++	Varies
93	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.90%	A	$100,000+
94	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.85%	A+	$100,000+
95	MassMutual Ascend Life Insurance Company	SecureGain 3 - 2025Flat rate	4.80%	A++	$100,000+
96	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.75%	A	$100,000+
97	SILAC Insurance Company	Secure Savings EliteFlat rate	4.50%	B+	Varies
98	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.45%	A	$100,000+
99	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	4.45%	A	Varies
100	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	3.90%	A-	$100,000 - $250,000
101	Symetra Life Insurance Company	Select Pro NYFlat rate	3.85%	A	$100,000 - $250,000
102	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
103	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
104	United Life Insurance Company	Performance SPDAFlat rate	3.60%	A-	$100,000+
105	SILAC Insurance Company	Secure SavingsFlat rate	3.15%	B+	Varies
106	Investors Heritage	Heritage Builder AnnuityFlat rate	3.00%	B++	Varies
107	Nationwide Life Insurance Company	Platinum EdgeFlat rate	2.70%	A+	Varies

25th-75th percentile band: 5.15% to 5.70%. 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

6.06%Flat 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 5.32% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Aug 24, 2026: 5.54% → Oct 23, 2026: 5.94% · range 5.54%-5.94%

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 with contractually guaranteed interest for a 3-year guarantee period. Flat products show their level guaranteed rate; step products show their full-term annual yield with the first-year and renewal schedule, 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 107 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 October 22, 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.

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What would you like your money to do?

3-Year MYGA Rates: The Full Market Table

All 3-year MYGA rates, filterable

The 3-year MYGA rate index

Get 3-year MYGA rates matched to you

MYGA rates by term

3-year MYGA rates FAQ

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