Enter your amount to see the guaranteed value, year by year. No market risk, no annual fees.
At 3.75% for 4 years, $100,000 grows to
$115,865.04+$15,865.04 in guaranteed interest
Year
Starting Balance
Interest Credited
Ending Balance
Year 1
$100,000.00
+$3,750.00
$103,750.00
Year 2
$103,750.00
+$3,890.63
$107,640.63
Year 3
$107,640.63
+$4,036.52
$111,677.15
Year 4
$111,677.15
+$4,187.89
$115,865.04
Assumes the contract is held to maturity at the locked rate, with no withdrawals. Interest compounds annually. Interest grows tax-deferred until withdrawn. Use our single premium immediate annuity calculator if you are looking for lifetime income instead.
Free withdrawals · years 2+10%About $10,000/yr on your $100,000
At the end of the termWithdraw, renew, or transferFull value, no charges
Market value adjustment (MVA)NoEarly withdrawals are not adjusted for interest rate changes
Annual feeNo
Early withdrawal charges
Year
1
2
3
4
5+
Charge
7%
7%
7%
6%
0%
Withdrawals above the free amount during the surrender period incur this charge. Source: carrier rate filing via AnnuityRateWatch. Verify final terms against your issued contract.
Minimum to open this annuity$10,000Lowest deposit the contract accepts, at a lower rate
Minimum deposit · cash (non-qualified) · to earn 3.75%$100,000
Minimum deposit · IRA / 401(k) rollover · to earn 3.75%$100,000
Maximum deposit$1,000,000
Maximum age to apply199
Available in
1 state Not available: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, GU, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WYView all available states
NY
Lock in 3.75% on the Secure Growth 4 (NY)
Carriers change MYGA rates without notice, and the rate is set by your application date, not the day you read this page. Request a quote and we will confirm the current rate for your state and premium, in writing, before you apply.
Kiara at My Annuity Store was absolutely wonderful to work with! She was efficient, knowledgeable, and incredibly responsive to all of my many questions. She was always available when I needed her and made what initially felt like an overwhelming process much easier. My financial advisor recommended Kiara, and I am so glad he did. After researching all of the different options available, I felt overwhelmed by the choices, but Kiara took the time to explain everything clearly and helped me feel confident that I was making a smart decision with my money. I highly recommend Kiara and My Annuity Store!
★★★★★BBB
Ralph P.
The process for setting up my annuity was very easy. Communication was quick and to the point. Appreciate the assistance I received and would definitely do business with My Annuity Store again. Thank you.
★★★★★BBB
Lester W.
Kiara was excellent, she helped me set up two myga's through two different carriers at peak rates. The process takes time at the carrier end, and she kept me informed along the way.
Live rate feed
Last updated November 10, 2026. Rates refresh daily via the AnnuityRateWatch API and are subject to change without notice. Guarantees are backed by the issuing insurance company.
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