Enter your amount to see the guaranteed value, year by year. No market risk, no annual fees.
At 5.95% for 5 years, $100,000 grows to
$133,507.24+$33,507.24 in guaranteed interest
Year
Starting Balance
Interest Credited
Ending Balance
Year 1
$100,000.00
+$5,950.00
$105,950.00
Year 2
$105,950.00
+$6,304.03
$112,254.03
Year 3
$112,254.03
+$6,679.11
$118,933.14
Year 4
$118,933.14
+$7,076.52
$126,009.66
Year 5
$126,009.66
+$7,497.57
$133,507.24
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 Interest grows tax-deferred until withdrawn.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)YesCan raise or lower your value if you withdraw more than the free amount early
Annual feeNo
Early withdrawal charges
Year
1
2
3
4
5
6+
Charge
7%
7%
7%
6%
5%
0%
Withdrawals above the free amount during the surrender period incur this charge. A market value adjustment (MVA) also applies and can raise or lower the surrender value based on interest rate movement since issue. Source: carrier rate filing via AnnuityRateWatch. Verify final terms against your issued contract.
Surrender charge waivers
Nursing home. Withdraw without a surrender charge if you are confined to a nursing home. Not available in PR, VI.
Terminal illness. Withdraw without a surrender charge if you are diagnosed with a terminal illness. Not available in PR, VI.
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.
Most applications take about 10 minutes online, or we can complete it with you over the phone.
1Compare & selectChoose your term and rate.
2Online pre-appQuick 5-minute digital form.
3Specialist reviewA quick call to verify details.
4Direct fundingE-sign and transfer funds.
Personal identificationSocial Security Number and a valid Driver's License or ID.
Beneficiary infoLegal names, dates of birth, and SSNs for your beneficiaries.
Funding detailsBank account/routing numbers or statements for 1035 exchanges.
Suitability infoBasic understanding of your liquid assets and net worth.
Disclosure
How we're paid
You pay us nothing directly. Here's our commission on this product, in plain sight.
2.40%
We are paid by Nationwide Life Insurance 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.
Commissions may be slightly lower for individuals age 80 and older.
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.
I can find annuity rates, compare products, or get you a quote in minutes.
Andy Annuity
Annuity research assistant · 100+ carrier brochures
Hi, I'm Andy Annuity, your annuity research assistant. I can look up current fixed annuity rates in your state, search carrier brochures for product details, and help you compare products.
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