Lock in today’s top fixed annuity rates, defer taxes, and buy your annuity at home — all through one independent platform.
*Illustrative snapshot. Click below for live updates & full comparison including carrier strength, liquidity, and renewal options.
View Full ComparisonRates subject to change without notice. Availability & features vary by state and insurer. Guarantees are backed by the claims‑paying ability of the issuing insurance company. Not a bank product. Not FDIC insured. State guaranty association limits apply (vary by state).
Fixed annuity rates remain highly competitive this month, with multi-year guaranteed annuities (MYGAs) offering a blend of principal protection, guaranteed growth, and tax-deferred accumulation. Below you’ll find today’s top fixed annuity rates by term. Rates and availability can vary by state and are subject to change—call 855-583-1104 for personalized recommendations.
Choose a term length that fits your timeline and liquidity needs. Shorter terms provide flexibility; longer terms may offer higher rates. Use the filters to sort by insurer rating, liquidity, and minimums—or call us, and we’ll compare for you in minutes.
| Term | Insurer | Company | Annuity | Rate | AM Best | Free withdrawals | Application |
|---|---|---|---|---|---|---|---|
| 2 Years | 
| CL Life | CL Sundance | 5.25% | B++ | Interest Only | Apply |
| 3 Years | 
| Mountain Life | Alpine Horizon | 6.00% | B+ | 10% | Apply |
| 4 Years |
| Mountain Life | Alpine Horizon | 6.05% | B+ | 10% | Apply |
| 5 Years | 
| Knighthead Life | Staysail Annuity | 6.45% Simple | A- | None | Apply |
| 6 Years | 
| Equitrust | Certainty Select | 5.60% | B++ | Interest Only | Apply |
| 7 Years |
| Knighthead Life | Staysail Annuity | 6.65% Simple | A- | None | Apply |
| 8 Years |
| EquiTrust | Certainty Select | 5.65% | B++ | Interest Only | Apply |
| 9 Years | 
| Clear Spring Life | Preserve MYGA | 5.35% | A- | None Yr 1 10% Yrs. 2-9 | Apply |
| 10 Years | 
| Revol One | DirectGrowth MYGA | 6.00% | B++ | None | Apply |
Rates shown are annual percentage yield (APY) where applicable and are current as of the last updated timestamp on this page. Not all products are available in all states. Minimums typically range from $10,000 to $25,000. Guarantees are backed by the issuing insurer’s claims-paying ability.
3 year fixed annuity rates are best for short-term goals, cash you may need on a near-term timeline, or as the first rung in a ladder strategy. Three-year MYGAs can out-yield many short CDs, and interest grows tax-deferred until withdrawn.
| Term | Insurer | Review | Annuity | Rate | AM Best | Apply |
|---|---|---|---|---|---|---|
| 3 Years |
| Mountain Life | Alpine Horizon | 6.00% | B+ | Apply |
| 3 Years |
| Knighthead Life | Staysail Annuity | 5.75% Simple | A- | Apply |
| 3 Years |
| Revol One | DirectGrowth | 5.65% | B++ | Apply |
| 3 Years |
| CL Life | CL Sundance | 5.65% | B++ | Apply |
| 3 Years | 
| Ibexis | Synergy Choice 3 | 5.22% | A- | Apply |
If you want a strong balance of yield and flexibility, 5-year MYGAs typically sit in the sweet spot. You’ll lock in a competitive rate for five years, enjoy tax-deferred growth, and keep options open at the end of the term. Many contracts include 10% penalty-free withdrawals annually.
| Term | Insurer | Review | Annuity | Rate | AM Best | Apply |
|---|---|---|---|---|---|---|
| 5 Years |
| Knighthead Life | Staysail Annuity | 6.45% Simple | A- | Apply |
| 5 Years |
| Mountain Life | Alpine Horizon | 6.15% | B+ | Apply |
| 5 Years |
| Revol One | DirectGrowth | 6.00% | B++ | Apply |
| 5 Years | 
| Farmers Life | Safeguard Plus | 5.75% | B++ | Apply |
Seven-year MYGAs often add a slight rate premium versus 5-year options. They work well for money you can set aside a bit longer without needing liquidity beyond the penalty-free amount.
| Term | Insurer | Company Details | Annuity | Rate | AM Best | Apply |
|---|---|---|---|---|---|---|
| 7 Years |
| Knighthead Life | Staysail Annuity | 6.65% Simple | A- | Apply |
| 7 Years |
| Revol One | DirectGrowth | 6.00% | B++ | Apply |
| 7 Years |
| Mountain Life | Alpine Horizon | 5.75% | B+ | Apply |
| 7 Years | 
| Ibexis | MYGA Plus | 5.80% Simple | A- | Apply |
| 7 Years | 
| AMERICO | Platinum Assure | 5.50% | A | Apply |
For long-term savers seeking the highest available fixed rates, 10-year MYGAs can offer the most attractive yields. These are ideal for dollars you don’t plan to touch until maturity, or for pre-retirees laddering maturities into their retirement window.
| Term | Insurer | Review | Annuity | Rate | AM Best | Application |
|---|---|---|---|---|---|---|
| 10 Years |
| Revol One | DirectGrowth | 6.00% | B++ | Apply |
| 10 Years | 
| Sentinel Security | Personal Choice | 5.90% | B++ | Apply |
| 10 Years |
| Equitrust | Certainty Select | 5.75% | B++ | Apply |
| 10 Years |
| Farmers Life | Safeguard Plus | 5.65% | B++ | Apply |
| Company Name | Annuity Name | Fixed Rate (%) | Guaranteed Years | Free w/d Yr 1 | Free w/d Yrs 2+ |
|---|
Yield matters—but so does financial strength. We help you balance both by comparing rates across AM Best rating tiers and highlighting trade-offs. All guarantees are backed by the insurer’s claims-paying ability, and state guaranty association coverage may apply up to certain limits.
These insurers typically offer slightly lower rates than mid-tier carriers but bring exceptional balance sheet strength and stability. Consider A+/A++ options if:
The “value zone” for many buyers—strong financials and competitive yields.
Mid-tier ratings can deliver the highest sticker yields. This tier can be suitable when:
Editorial note: No single rating tier is “best” for everyone. Many smart plans blend carriers across ratings and terms to diversify rate risk and company risk while capturing attractive yields. Access many more resources and current ratings at our insurance company financial ratings learning hub.
A fixed annuity—often called a MYGA (Multi-Year Guaranteed Annuity) when the rate is guaranteed for a set number of years—provides guaranteed interest, principal protection, and tax-deferred growth. You’ll know exactly what your money will earn during the guarantee period.
Not sure which term or carrier fits you best? Call 855-583-1104 or request a quick quote. We’ll compare options from multiple carriers and help you lock in today’s best rate for your goals.
