5-Year MYGA Rates: The Full Market Table

Every visible 5-year multi-year guaranteed annuity rate in the live CANNEX feed - 219 rate rows across 61 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.

6.65%

Top 5-year rate

5.04%

Market average

5.05%

Median rate

219

Rate rows listed

Today's top 5-year rate: 6.65% from Atlantic Coast Life (AM Best B).

Full market

All 5-year MYGA rates, filterable

The complete 5-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 5-year MYGA rates.

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Showing 219 of 219 5-year MYGA rate rows.

#	Carrier	Product	5-Year Guaranteed Rate	AM Best	Premium
1	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.45% first year / 6.45% renewal	6.65%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 7.35% first year / 6.35% renewal	6.55%	B	Varies
3	Knighthead Life	StaysailFlat rate	6.45%	A-	$100,000+
4	Knighthead Life	StaysailFlat rate	6.35%	A-	$100,000+
5	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.30%	B+	Varies
6	Wichita National Life Insurance	Security MYGAFlat rate	6.25%	B+	Varies
7	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.25%	B	Varies
8	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.20%	B	Varies
9	Canvas Annuity	Canvas Future FundFlat rate	6.10%	B++	Varies
10	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.10%	B++	Varies
11	Wichita National Life Insurance	Security MYGAFlat rate	6.10%	B+	Varies
12	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.05%	B++	Varies
13	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.05%	B+	Varies
14	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.05%	B	Varies
15	Farmers Life Insurance Company	Safeguard PlusFlat rate	6.00%	B++	Varies
16	Revol One Financial	DirectGrowth MYGAFlat rate	6.00%	B++	Varies
17	Gulf Guaranty Life Insurance Company	Anchor MYGAFlat rate	6.00%	B++	Varies
18	Heartland National Life Insurance Company	Secure Rate ProFlat rate	6.00%	B++	Varies
19	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.95%	B	Varies
20	Knighthead Life	StaysailFlat rate	5.90%	A-	$100,000+
21	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.90%	B++	Varies
22	Revol One Financial	DirectGrowth MYGAFlat rate	5.90%	B++	Varies
23	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.90%	B++	Varies
24	Mountain Life Insurance Company	Secure SummitFlat rate	5.90%	B+	Varies
25	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	5.90%	B	Varies
26	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.85%	A-	$100,000+
27	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.65% first year / 5.65% renewal	5.85%	B	Varies
28	Axonic Insurance Services	Waypoint MYGAFlat rate	5.80%	A-	$100,000+
29	Knighthead Life	StaysailFlat rate	5.80%	A-	$100,000+
30	Revol One Financial	DirectGrowth MYGAFlat rate	5.80%	B++	Varies
31	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.80%	B++	Varies
32	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.80%	B++	Varies
33	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.75%	A-	$100,000+
34	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
35	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.70%	B++	Varies
36	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.65%	A-	$100,000+
37	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.65%	B++	Varies
38	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.65%	B++	Varies
39	Mountain Life Insurance Company	Secure SummitFlat rate	5.65%	B+	Varies
40	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.60%	B++	Varies
41	NexAnnuity	Nex MYGAFlat rate	5.60%	B+	Varies
42	American Life & Security Corp	American ClassicStep schedule: 6.05% first year / 5.45% renewal	5.57%	B++	Varies
43	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.55%	A-	$100,000+
44	Axonic Insurance Services	Incline MYGAFlat rate	5.55%	A-	$100,000+
45	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.50%	A+	Varies
46	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.50%	A+	Varies
47	AuguStar Financial	LunarLock MYGAFlat rate	5.50%	A	$100,000+
48	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.50%	A	$100,000+
49	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	5.50%	A-	$75,000+
50	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.50%	B++	Varies
51	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.50%	B++	Varies
52	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.50%	B++	Varies
53	Lincoln Financial	Lincoln SelectFlat rate	5.45%	A	$100,000+
54	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	5.45%	A	Varies
55	Sagicor Life Insurance Company	Milestone MYGAFlat rate	5.45%	A-	$100,000+
56	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	5.45%	A-	$100,000+
57	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.45%	A-	$100,000+
58	NexAnnuity	Nex MYGAFlat rate	5.45%	B+	Varies
59	Nationwide Life Insurance Company	Secure GrowthFlat rate	5.40%	A+	$100,000+
60	AuguStar Financial	LunarLock MYGAFlat rate	5.40%	A	$100,000+
61	AuguStar Financial	LunarLock PrimeFlat rate	5.40%	A	$100,000+
62	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	5.40%	A	$100,000+
63	Delaware Life	Apex MYGAFlat rate	5.40%	A-	$100,000+
64	Delaware Life	Pinnacle Plus MYGAFlat rate	5.40%	A-	$100,000+
65	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	5.40%	A-	$100,000+
66	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.40%	B++	Varies
67	Protective Life Insurance Company	SecureSaverFlat rate	5.35%	A+	$75,000+
68	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.35%	A+	$100,000+
69	Symetra Life Insurance Company	Select MaxFlat rate	5.35%	A	$100,000 - $250,000
70	Oxford Life Insurance Company	Multi SelectFlat rate	5.35%	A	Varies
71	Delaware Life	Apex ControlFlat rate	5.35%	A-	$100,000+
72	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.35%	B++	Varies
73	Athene Annuity and Life Company	Athene MYGFlat rate	5.30%	A+	$100,000+
74	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.30%	A+	$100,000+
75	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.30%	A+	$100,000 - $250,000
76	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.30%	A+	$100,000+
77	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-PremierFlat rate	5.30%	A+	Varies
78	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	5.30%	A	$100,000+
79	AuguStar Financial	LunarGuard MYGAFlat rate	5.30%	A	$100,000+
80	AuguStar Financial	LunarLock PrimeFlat rate	5.30%	A	$100,000+
81	American National Insurance Company	Palladium MYG MaxFlat rate	5.30%	A	$100,000 - $250,000
82	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	5.30%	A	$100,000+
83	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.30%	A-	$100,000+
84	Aspida Life Insurance Company	WealthLock MYGAFlat rate	5.30%	A-	$100,000+
85	Nassau Life and Annuity Company	MYAnnuityFlat rate	5.30%	B++	Varies
86	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.25%	A+	$100,000+
87	Athene Annuity and Life Company	Athene MYGFlat rate	5.20%	A+	$100,000+
88	Prudential Financial	Prudential WealthGuardFlat rate	5.20%	A+	$100,000+
89	Jackson National Life Insurance	Jackson RateProtectorFlat rate	5.20%	A	$100,000+
90	Symetra Life Insurance Company	Select ProFlat rate	5.20%	A	$100,000 - $250,000
91	The Standard	Multi-Choice AnnuityFlat rate	5.20%	A	$100,000+
92	American National Insurance Company	Palladium MYGFlat rate	5.20%	A	$100,000 - $250,000
93	AuguStar Financial	LunarGuard MYGAFlat rate	5.20%	A	$100,000+
94	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.20%	A	Varies
95	GBU Financial Life Insurance Company	Asset GuardFlat rate	5.20%	A-	$100,000+
96	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.20%	B++	Varies
97	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.20%	B++	Varies
98	Reliance Standard Life Insurance Company	Eleos MVAFlat rate	5.15%	A++	Varies
99	Reliance Standard Life Insurance Company	Reliance GuaranteeFlat rate	5.15%	A++	Varies
100	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.15%	A+	$100,000 - $500,000
101	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	5.15%	A	Varies
102	The Standard	Focused Growth AnnuityFlat rate	5.15%	A	$100,000+
103	The Standard	Multi-Choice AnnuityFlat rate	5.15%	A	$100,000+
104	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	5.15%	A	$100,000+
105	American National Insurance Company	Palladium Match MYGFlat rate	5.15%	A	$100,000 - $250,000
106	Pacific Life Insurance Company	Pacific HarborFlat rate	5.10%	A+	Up to $200,000
107	The Standard	Multi-Choice AnnuityFlat rate	5.10%	A	$100,000+
108	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
109	Talcott Financial Group	EverStead MYGAFlat rate	5.10%	A-	$100,000 - $500,000
110	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	5.05%	A++	$100,000 - $1,000,000
111	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	5.05%	A+	$100,000 - $500,000
112	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	5.05%	A+	$100,000+
113	Corebridge Financial	Optimum Selection AnnuityFlat rate	5.05%	A	$100,000+
114	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.05%	A	$100,000+
115	Corebridge Financial	Foundation AnnuityFlat rate	5.05%	A	$100,000+
116	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	5.00%	A++	$100,000+
117	Reliance Standard Life Insurance Company	Eleos SPFlat rate	5.00%	A++	Varies
118	MassMutual Ascend Life Insurance Company	Advantage 5 AdvisoryFlat rate	5.00%	A++	Up to $250,000
119	Athene Annuity and Life Company	Athene MYGFlat rate	5.00%	A+	$100,000+
120	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.00%	A+	$100,000+
121	Athene Annuity and Life Company	Athene MYG NYFlat rate	5.00%	A+	$100,000+
122	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	5.00%	A+	$100,000+
123	Corebridge Financial	First Choice 5Flat rate	5.00%	A	$100,000+
124	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	5.00%	A	$100,000+
125	Symetra Life Insurance Company	Select ProFlat rate	5.00%	A	$100,000 - $250,000
126	The Standard	Multi-Choice AnnuityFlat rate	5.00%	A	$100,000+
127	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.00%	A	$100,000+
128	Lincoln Financial	MyGuarantee Plus ClassFlat rate	5.00%	A	$100,000+
129	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
130	Corebridge Financial	Foundation AnnuityFlat rate	5.00%	A	$100,000+
131	Nassau Life and Annuity Company	MYAnnuity 5XFlat rate	5.00%	B++	Varies
132	Corebridge Financial	Optimum Selection AnnuityFlat rate	4.95%	A	$100,000+
133	Corebridge Financial	First Choice 5Flat rate	4.95%	A	$100,000+
134	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	4.95%	A	$100,000+
135	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.95%	A	$100,000+
136	Corebridge Financial	Foundation AnnuityFlat rate	4.95%	A	$100,000+
137	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.95%	A-	$100,000+
138	Pacific Life Insurance Company	Expedition IIFlat rate	4.90%	A+	$100,000+
139	Corebridge Financial	American Pathway Fixed 5 AnnuityFlat rate	4.90%	A	$100,000+
140	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	4.90%	A	$100,000+
141	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.90%	A-	$100,000+
142	Lincoln Financial	MyGuarantee PlusFlat rate	4.85%	A	$100,000+
143	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	4.85%	A	$100,000+
144	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.85%	A	$100,000 - $250,000
145	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.85%	A-	$100,000+
146	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.85%	A-	$100,000+
147	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.80%	A+	$100,000+
148	Protective Life Insurance Company	Smart Saver NYFlat rate	4.80%	A+	$100,000+
149	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.80%	A+	$100,000+
150	Corebridge Financial	American Pathway Vision MYGFlat rate	4.80%	A	$100,000+
151	Corebridge Financial	Foundation AnnuityFlat rate	4.80%	A	$100,000+
152	United Life Insurance Company	Performance SPDAFlat rate	4.80%	A-	$100,000+
153	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.80%	A-	$100,000+
154	Pacific Life Insurance Company	Expedition IIFlat rate	4.75%	A+	$100,000+
155	Corebridge Financial	First Choice 5Flat rate	4.75%	A	$100,000+
156	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
157	SILAC Insurance Company	Secure Savings EliteFlat rate	4.75%	B+	Varies
158	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.70%	A++	$100,000 - $1,500,000
159	United of Omaha Insurance Company (a Mutual of Omaha company)	Ultra-Secure PlusFlat rate	4.70%	A+	Varies
160	Corebridge Financial	First Choice 5Flat rate	4.70%	A	$100,000+
161	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.70%	A	$100,000+
162	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.70%	A-	$100,000+
163	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.70%	A-	$100,000+
164	SILAC Insurance Company	Secure Savings EliteFlat rate	4.69%	B+	Varies
165	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.65%	A++	$100,000+
166	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.65%	A++	$100,000 - $1,500,000
167	MassMutual Ascend Life Insurance Company	American Freedom Aspire 5Flat rate	4.65%	A++	$100,000+
168	MassMutual Ascend Life Insurance Company	SecureGain 5 - 2025Flat rate	4.65%	A++	$100,000+
169	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.65%	A	$100,000 - $250,000
170	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.65%	A-	$100,000+
171	United Life Insurance Company	Performance SPDAFlat rate	4.65%	A-	$100,000+
172	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.65%	A-	$100,000+
173	SILAC Insurance Company	Secure Savings EliteFlat rate	4.65%	B+	Varies
174	MassMutual Ascend Life Insurance Company	American Freedom Classic 5 - 2025Flat rate	4.60%	A++	$100,000+
175	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.60%	A-	$100,000+
176	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.60%	A-	$100,000+
177	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.55%	A+	$100,000+
178	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
179	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
180	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.55%	A-	$100,000+
181	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.50%	A++	$100,000+
182	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.50%	A+	$100,000+
183	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
184	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.45%	A++	$100,000+
185	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.45%	A-	$100,000+
186	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.40%	A++	$100,000+
187	MassMutual Ascend Life Insurance Company	SecureGain 5Flat rate	4.40%	A++	$100,000+
188	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.40%	A+	$100,000+
189	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.40%	A+	$100,000+
190	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.00% first year / 4.00% renewal	4.40%	A+	Varies
191	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	4.40%	A-	$100,000 - $250,000
192	Western-Southern Life Assurance Company	MultiRateStep schedule: 5.95% first year / 3.95% renewal	4.35%	A+	Varies
193	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.35%	A	$100,000+
194	American National Insurance Company	WealthQuest Citadel 5 DiamondStep schedule: 5.15% first year / 4.15% renewal	4.35%	A	$100,000+
195	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.35%	A-	$100,000+
196	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.30%	A	$100,000 - $250,000
197	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.30%	A-	$100,000+
198	Integrity Life Insurance Company (W&S)	New MomentumStep schedule: 4.85% first year / 4.10% renewal	4.25%	A+	Varies
199	Integrity Life Insurance Company (W&S)	MultiVantageStep schedule: 5.05% first year / 4.05% renewal	4.25%	A+	Varies
200	ELCO Mutual Life and Annuity	Guardian Eagle FlexFlat rate	4.25%	B++	Varies
201	MassMutual Ascend Life Insurance Company	SecureGain 5Flat rate	4.20%	A++	$100,000+
202	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 5.00% first year / 4.00% renewal	4.20%	A+	Varies
203	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.20%	A-	$100,000+
204	Symetra Life Insurance Company	Select Pro NYFlat rate	4.15%	A	$100,000 - $250,000
205	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.10%	A+	$100,000+
206	Symetra Life Insurance Company	Select Pro NYFlat rate	3.90%	A	$100,000 - $250,000
207	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.80%	A+	$100,000+
208	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
209	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
210	SILAC Insurance Company	Secure Savings EliteFlat rate	3.75%	B+	Varies
211	SILAC Insurance Company	Secure Savings EliteFlat rate	3.69%	B+	Varies
212	SILAC Insurance Company	Secure Savings EliteFlat rate	3.65%	B+	Varies
213	Nationwide Life Insurance Company	Platinum EdgeFlat rate	3.50%	A+	Varies
214	Investors Heritage	Heritage Builder AnnuityFlat rate	3.50%	B++	Varies
215	SILAC Insurance Company	Secure SavingsFlat rate	3.45%	B+	Varies
216	American National Insurance Company	Palladium MYGFlat rate	3.35%	A	$100,000 - $250,000
217	American National Insurance Company	WealthQuest Citadel 5 DiamondStep schedule: 4.10% first year / 3.10% renewal	3.30%	A	$100,000+
218	Security Benefit Life Insurance Company	Rate TrackStep schedule: 4.84% first year / 1.10% renewal	1.84%	A-	Varies
219	Corebridge Financial	Future AchieverFlat rate	0.25%	A	$100,000+

25th-75th percentile band: 4.65% to 5.45%. Lowest listed rate: 0.25%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 5-year MYGA rate index

6.32%+30 bps today

The MYGA 5-Year Rate Index averages the top 10 declared 5-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 5.04% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 5.92% → Jul 14, 2026: 6.02% · range 5.92%-6.04%

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 3-year MYGA ratesFull market table 4-year MYGA ratesFull market table 6-year MYGA ratesFull market table 7-year MYGA ratesFull market table 10-year MYGA ratesFull market table

Best 5-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

5-year MYGA rates FAQ

What is a 5-year MYGA?

A 5-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 5-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 5-Year MYGA Rates page?

The best-rates page ranks the top 25 5-year products. This hub shows the full visible 5-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 219 5-year rate rows from the live feed.

Why do 5-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 5-year rate locked for the whole term?

Most 5-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 5-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.