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If you’re looking for a safer way to grow money without riding the ups and downs of the market, fixed annuities can be a clean, straightforward solution. They’re built for people who want three things to be true at the same time: a stated rate, protection of principal from market loss, and a predictable timeline. When the goal is steady accumulation you can plan around, a well-chosen fixed annuity can do exactly what it’s designed to do—deliver contract-based growth without the volatility that can derail retirement timing.
Fixed annuities are especially attractive when interest rates are competitive, because the “value proposition” is simple to understand. You deposit a premium, the insurer credits interest at the declared rate for the term, and your money grows tax-deferred until you take withdrawals. In the right plan, this can complement (not replace) other assets by giving you a stable bucket that isn’t dependent on market performance. If you want the deeper mechanics in plain English, start with how annuities earn interest and then review the withdrawal guardrails in annuity free withdrawal rules so you know what “liquidity” really looks like before you commit.
Here’s a simple illustration of how fixed annuity math can work. If you invest $1,000,000 into a fixed annuity earning 5.40% compounded annually for five years, your account would grow to approximately $1,300,000 by the end of the term—without market risk and without needing to guess where stocks will be next year. Your actual outcome depends on the product, state availability, term, and whether you take withdrawals along the way, but this example captures why fixed annuities are so popular when rates are strong: they make growth more predictable.
At Diversified Insurance Brokers, we help you compare carriers and contract designs the way retirees actually use them in real life. Instead of shopping based on a headline number alone, we look at how long you want to commit, how much liquidity you want annually, whether you need an income start option later, and how you want beneficiaries handled. In many cases, the “best” annuity isn’t the one with the highest rate—it’s the one that fits your timeline and withdrawal needs without surprises.
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💰 Current Fixed Annuity Rates (over 6% as of Feb 2026)
| Term | Rate | Provider | Product | AM Best Rating |
|---|---|---|---|---|
| 1 Year | 4.15% | GCU Life | 1+4 Choice | A- |
| 2 Years | 5.25% | CL Life | CL Sundance | B++ |
| 3 Years | 5.85% | Wichita National | Security 3 | B+ |
| 4 Years | 5.10% | Oceanview Life | Harbourview | A |
| 5 Years | 6.30% | American Gulf | Anchor MYGA | B++ |
| 6 Years | 6.30% | American Gulf | Anchor MYGA | B++ |
| 7 Years | 6.30% | American Gulf | Anchor MYGA | B++ |
| 8 Years | 5.40% | EquiTrust | Certainty Select | B++ |
| 9 Years | 5.30% | Talcott Financial | EverStead | A- |
| 10 Years | 6.05% | Wichita National | Security MYGA | B+ |
Rates are subject to change and may vary by state, age, and premium amount. Additional rate enhancements may be available based on deposit size or product selection.
Why Choose a Fixed Annuity?
Fixed annuities are popular because they solve a very specific problem: how to earn contract-based growth while avoiding market losses. They aren’t designed to “beat the market.” They’re designed to create stability, reduce sequence-of-returns risk, and support a retirement plan that needs predictable outcomes. When you use them for what they’re built for, they can be a strong complement to other assets.
One of the biggest reasons retirees choose fixed annuities is clarity. You know the term, you know the credited rate for the guarantee period, and you know the basic rules around withdrawals. That’s very different from accounts where your outcome depends on markets, timing, and investor behavior. If you want to compare fixed annuities against indexed strategies, reviewing annuity crediting methods helps you see why two annuities can behave very differently even when they sound similar.
- Guaranteed Interest – Lock in your rate for the full term.
- Principal Protection – Your deposit is protected from market loss.
- Tax-Deferred Growth – You generally don’t pay taxes on gains until withdrawal.
- Zero Management Fees – No ongoing asset management charges inside the contract.
- Flexible Term Options – Choose a timeline that matches your plan.
Before you choose a term, it helps to decide what the money is for. If this is “parking money” for a shorter window, a shorter term may make sense. If this is a stability bucket meant to anchor your plan, longer terms can sometimes be attractive—especially if you’re comfortable with the surrender schedule and the product’s annual free-withdrawal provisions. That’s why we always review liquidity up front, because the best annuity is the one that fits your real-world plan, not just the one with the biggest headline.
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Learn how a Bonus Annuity works
💰 Bonus Annuity Rates – Feb 2026
Upfront bonus fixed indexed annuities can be a smart way to add “day-one value” to retirement dollars—if the contract is designed for your timeline and you understand what the bonus is (and isn’t) doing. A bonus annuity typically credits an additional percentage to your premium at issue, which can strengthen the foundation for accumulation, help support certain income-rider calculations, or simply give you a larger starting value than a non-bonus alternative.
For example, at the time of publication of this update, some bonus designs add 10% or more to the initial premium. If you place $1,000,000 into a bonus annuity, a 10% bonus could credit an additional $100,000 on day one—depending on product rules, state availability, and how the carrier defines the bonus value for withdrawals, surrender, income, or death benefits.
That last part matters. A bonus is rarely “free.” It’s usually paired with tradeoffs such as a longer surrender schedule, different crediting terms, rider fees, or stricter withdrawal rules. The right way to evaluate a bonus annuity is to compare it against a non-bonus option with a similar surrender period and liquidity design so you can see the real net value over your expected holding period. If you want a baseline before you compare products, review how annuities earn interest and then annuity free withdrawal rules so you know what to look for beyond the headline.
At Diversified Insurance Brokers, we help you line up bonus annuities side-by-side with competitive MYGAs and non-bonus indexed options, so you can decide whether the bonus improves your plan or simply changes the math. If you want to see which bonus annuities are most competitive for your age and goals, we’ll run illustrations and explain the tradeoffs in plain English.
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✅ Current Bonus Annuity Offers (up to 29% as of February 2026)
| Term | Bonus | Provider | Product | AM Best Rating |
|---|---|---|---|---|
| 5 Years | 12% | Axonic | Trailhead Plus | A- |
| 7 Years | 17% | Am. Life | American Select Bonus | A |
| 8 Years | 3% | Nationwide | New Heights Select | A+ |
| 9 Years | 5% | Americo | Ultimate One | A |
| 10 Years | 25% | Heartland | Secure Retirement 10 | B++ |
| 14 Years | 27% | North American | NAC Charter Plus | A+ |
| 15 Years | 29% | Athene | Performance Elite | A+ |
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FAQs: Current Annuity Rates
What are current annuity rates and how often do they change?
“Current annuity rates” are the interest or crediting terms available today on fixed annuities (MYGAs) and fixed indexed annuities (FIAs). Carriers can update them weekly, biweekly, or monthly based on interest markets and product demand.
What is a MYGA and how do MYGA rates work?
A MYGA (Multi-Year Guaranteed Annuity) credits a fixed rate for a set term (e.g., 3, 5, 7, or 10 years). Your principal is protected, the rate is guaranteed for the whole term, and growth is tax-deferred until withdrawn.
How do current FIA rates differ from MYGA rates?
FIAs don’t quote a single fixed rate; they list index crediting terms like caps, participation rates, or spreads. Your principal is still protected from market losses, but growth depends on the chosen strategy’s rules rather than a level fixed rate.
Are higher annuity rates always better?
Not automatically. Higher rates or big bonuses can trade off against longer surrender periods, lower liquidity, lower index caps, or added rider fees. Evaluate the total value—rate, term, liquidity, fees, and company strength—before deciding.
What surrender period should I expect with today’s annuity rates?
Common surrender schedules range from 3 to 10 years. Shorter terms usually come with lower rates; longer terms can pay more but reduce flexibility. Make sure the timeline matches your liquidity needs.
How much can I withdraw each year without penalty?
Most contracts allow 10% (sometimes 5%–12%) of the account value each year after the first year as penalty-free withdrawals. Exceeding that can trigger surrender charges and possibly market value adjustments (MVAs).
What is an MVA and does it affect my rate?
A Market Value Adjustment doesn’t change the credited rate. It can adjust the value (up or down) on withdrawals above free amounts or on surrender during the term, based on interest rate movements since purchase.
Can I lock today’s annuity rate before the policy is issued?
Many carriers offer a rate-lock window once they receive your application or funds. The lock period length varies by company. Ask how long your rate is protected while paperwork and transfers complete.
Do current annuity rates work for IRAs and rollovers?
Yes. You can use MYGAs and FIAs inside Traditional or Roth IRAs via rollover or transfer. In IRAs, growth is tax-deferred by account rules; in non-qualified annuities, growth is tax-deferred by contract.
How do RMDs interact with fixed annuity rates?
If the annuity is in a Traditional IRA, you must satisfy required minimum distributions. Many contracts allow RMDs without surrender charges, but always confirm the carrier’s RMD accommodation before you buy.
Can I use a 1035 exchange to capture a better rate?
Often, yes. A 1035 exchange can move a non-qualified annuity into a new contract without current taxation. Compare surrender charges, MVA, new rates/terms, and state availability before exchanging.
How do today’s annuity rates compare with CD rates?
MYGAs frequently compete with multi-year CDs and may offer higher tax-deferred accumulation. CDs are FDIC-insured; annuities are backed by the insurer’s claims-paying ability and regulated at the state level. Each has different liquidity rules and taxation.
What fees affect current annuity yields?
Base MYGAs generally have no explicit annual fee. FIAs may add optional rider fees (e.g., income riders). Any rider charge reduces net growth, so weigh the benefit against cost.
What minimums apply to the best available annuity rates?
Minimum premiums commonly range from $10,000 to $100,000 depending on the carrier and product. Rate tiers sometimes improve at higher deposit levels.
