Today's top 10-year MYGA rates
| Carrier | Product | AM Best | APY |
|---|---|---|---|
| Sentinel Security | Personal Choice 10 | A- | 6.40% |
| MassMutual Ascend | Secure 10 | A+ | 6.25% |
| F&G | Guarantee-Platinum 10 | A- | 6.20% |
Why 10 years pays the most
Carriers can match 10-year MYGA liabilities to higher-yielding intermediate and long-duration corporate bonds. The longer surrender protection also lets the carrier credit more interest to the contract. The result: a 10-year MYGA at 6.40% APY beats every comparable-term bank CD and most investment-grade bond yields — without market risk.
Trade-offs of a 10-year term
- Decade-long surrender schedule — penalties for early withdrawal above the 10% free amount.
- Locked rate — if interest rates climb further, you can't easily reset.
- Carrier financial strength matters more — pick A or better for long terms.
For a shorter commitment with most of the yield, see 7-year MYGA rates or the popular 5-year MYGA.
Frequently asked questions
- What is the best 10-year MYGA rate today?
- Today's top 10-year MYGA APY from an A-rated carrier is approximately 6.40%. The 10-year term offers the highest absolute MYGA yields available, in exchange for the longest surrender commitment.
- Is a 10-year MYGA a good idea?
- A 10-year MYGA makes sense when you're certain the money won't be needed for the full decade, you want to lock in a high rate while available, and you're using it as a bond replacement inside a long-term portfolio. The trade-off is decade-long surrender exposure.
- What's the difference between a 10-year MYGA and a fixed indexed annuity?
- A 10-year MYGA pays a fixed APY — you know your end value at issue. A 10-year FIA credits interest based on a market index with downside protection, so returns vary year-to-year but average lower than a top MYGA in most environments.
- Can I 1035-exchange out of a 10-year MYGA early?
- Yes, but you'll incur surrender charges if you exchange before maturity. A 1035 exchange to a new annuity is tax-free, but the receiving carrier doesn't waive surrender charges from the original contract.
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