The NAC Guarantee Plus 3 is a 3-year multi-year guaranteed annuity from North American Company.
Rate change on November 12, 2026. North American Company has filed a new rate for the NAC Guarantee Plus 3.
Today's rate is not locked until North American Company receives your final application, and it is only secured once the policy is funded. Start soon so your application reaches North American Company before November 12.
5.45% every year. It cannot go down during the term.
Any early withdrawal carries a surrender charge.
Take out the interest you have earned, with no charge.
Interest compounds annually at 5.45%. Enter your deposit and select Recalculate to see your own numbers.
| Year | Starting balance | Interest earned | Ending balance |
|---|---|---|---|
| Year 1 | $100,000.00 | +$5,450.00 | $105,450.00 |
| Year 2 | $105,450.00 | +$5,747.03 | $111,197.03 |
| Year 3 | $111,197.03 | +$6,060.24 | $117,257.26 |
Assumes no withdrawals. Interest grows tax-deferred until withdrawn. Rates last updated 11/10/2026 and subject to change until your rate is locked. For illustration purposes only.
This annuity lets you take some money out each year without a charge. Anything above that amount is subject to the charges below until the term ends.
Some states use a different schedule:
Delaware, Florida
California
The charge applies to the amount you withdraw above any free amount. Example: withdrawing $10,000 in year 1 would cost $900, before any market value adjustment.
While surrender charges apply, an early withdrawal is also adjusted for interest rate changes. If rates have fallen since you bought, the adjustment adds to what you receive. If rates have risen, it reduces it.
Carriers can change rates without notice. Today's rate is not locked until North American Company receives your final application, and it is only secured once the policy is funded.
The date North American Company last changed the rate on this product.
You have 30 days after the term ends to act with no surrender charge.
We compare rates from 90+ top annuity companies and are licensed in 47 states. Your contract and your money are held by North American Company, never by us.
We are paid by North American Company when you make a purchase. Commission rates are updated periodically and subject to change.
In limited instances, My Annuity Store may receive higher compensation than the published commission rates based on achieving a certain level of sales volume or as a result of playing an expanded role in policy processing. This is an indirect cost to you, as it is already factored into the interest rate quoted.
How Annuity Commissions WorkIf you may need money before the 3 years are up, or want to compare this against other terms, talk it through with a licensed agent first. Schedule a call or dial 855-277-8088. No fees and no obligation.
The NAC Guarantee Plus 3 rate depends on how much you deposit. The last column shows the new rate North American Company has scheduled.
| Deposit amount | Rate today | From Nov 12 |
|---|---|---|
| $20,000 to $99,999 | 5.05% | 4.90% |
| $100,000 to $2,000,000 | 5.45% | 5.30% |
New to MYGAs? Read the MYGA guide, our tax overview, or compare today's best annuity rates. Looking for lifetime income instead? Use our single premium immediate annuity calculator.
Rates last updated 11/10/2026 and subject to change without notice. For illustration purposes only. This annuity is issued by North American Company, an insurance company, not a bank, and is not FDIC insured. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Withdrawals may be subject to surrender charges, a market value adjustment and ordinary income tax, and to a 10% federal tax penalty if taken before age 59½. Not available in GU, NY, PR, VI. My Annuity Store does not give tax or legal advice. Please consult a tax professional or attorney.
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