Annuity rates change as carriers re-file products against the prevailing yield curve. The tables below reflect the highest rate currently available in each category from carriers we actively shop. Your personalized quote depends on state, age, and premium amount.
Today's top MYGA rates
3-year MYGA
| Carrier | Product | AM Best | APY |
|---|---|---|---|
| Aspida Life | Synergy Choice 3 | A- | 5.50% |
| Oceanview Life | Harbourview 3 | A- | 5.40% |
| American Equity | GuaranteeShield 3 | A- | 5.20% |
5-year MYGA
| Carrier | Product | AM Best | APY |
|---|---|---|---|
| Athene | MaxRate 5 | A+ | 6.05% |
| F&G | Guarantee-Platinum 5 | A- | 5.95% |
| Nationwide | Secure Growth 5 | A+ | 5.75% |
7-year MYGA
| Carrier | Product | AM Best | APY |
|---|---|---|---|
| MassMutual Ascend | Secure 7 | A+ | 6.15% |
| Athene | MaxRate 7 | A+ | 6.00% |
| Global Atlantic | ChoiceAccumulator 7 | A | 5.85% |
Today's top fixed indexed annuity (FIA) rates
FIA "rates" are typically expressed as an income-base roll-up percentage (used to calculate future lifetime income) plus an annual cap or participation rate on index-linked growth.
10-year FIA income roll-ups
| Carrier | Product | AM Best | Roll-up |
|---|---|---|---|
| Athene | Performance Elite Plus | A+ | 10.50% |
| Allianz Life | Benefit Control | A+ | 9.75% |
| Nationwide | Peak 10 | A+ | 9.25% |
Today's top SPIA payout rates
Single Premium Immediate Annuity (SPIA) rates are quoted as monthly income per $100,000 of premium. Below: life-only quotes for a 65-year-old.
SPIA — life only, age 65, $100,000 premium
| Carrier | Product | AM Best | Monthly Income |
|---|---|---|---|
| New York Life | Guaranteed Lifetime Income | A++ | $685/mo |
| MassMutual | RetireEase | A++ | $672/mo |
| Pacific Life | Income Provider | A+ | $668/mo |
How to read today's annuity rates
- MYGA APY — the guaranteed annual yield, compounded inside the contract, for the full term.
- FIA roll-up — the guaranteed annual increase in your income base if you defer drawing income. Different from a return-of-principal yield.
- SPIA payout — fixed monthly income for life (or a chosen period) in exchange for a lump-sum premium. Cannot be undone.
Drill into a specific term on our MYGA rates hub, or compare annuities to bank CDs in our annuity vs CD breakdown.
Frequently asked questions
- What are the current annuity rates today?
- As of January 1, 1970, top MYGA rates from A-rated carriers range from roughly 5.20% APY (3-year) to 6.15% APY (7-year). The current best 5-year MYGA rate is about 6.05%. SPIA payout rates depend on age and term but are quoted near $670–$685/month per $100,000 at age 65.
- Are annuity rates going up or down right now?
- Annuity rates closely track intermediate-term Treasury yields. In a high-rate environment, MYGA APYs sit near multi-decade highs. When the Fed cuts rates, carriers usually re-price MYGA offers downward within 2–6 weeks.
- How often are these annuity rates updated?
- We refresh our rate snapshot weekly and after any major rate filing change. Live quotes you receive through our assessment reflect the carrier's most current offer for your state, age, and premium.
- Who has the best annuity rates today?
- Leaders rotate frequently. Today, Athene and F&G lead the 5-year MYGA tables, MassMutual Ascend leads 7-year MYGAs, Allianz leads FIA income roll-ups, and New York Life leads SPIA monthly payouts. The right pick depends on your goal — yield, income, or both.
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