Lock In Today’s Top Annuity Rates and Grow Your Retirement With Confidence
Compare guaranteed annuity rates from 75+ top-rated carriers—without pressure or sales tactics
Looking for a safe way to grow your money without market volatility? Fixed annuities offer guaranteed interest, principal protection, and tax-deferred growth—making them a smart option for retirement savers and conservative investors.
For example, if you invest $1,000,000 into a 5-year fixed annuity earning 5.40% compounded annually, your account would grow to approximately $1,300,000 by the end of the term—without any market risk.
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💰 Current Fixed Annuity Rates (over 6% as of November 2025)
| Term | Rate | Provider | Product | AM Best Rating |
|---|---|---|---|---|
| 1 Year | 4.15% | GCU Life | 1+4 Choice | A- |
| 2 Years | 5.5o% | Axonic | Skyline MYGA | A- |
| 3 Years | 5.85% | Wichita National | Security 3 MYGA | B+ |
| 4 Years | 5.20% | Americo | Platinum Assure | 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 Life | Certainty Select | B++ |
| 9 Years | 5.35% | Clear Spring Life | Preserve Multi-Year Guaranteed Annuity | 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?
- Guaranteed Interest – Lock in your rate for the full term
- Principal Protection – 100% of your deposit is protected from market loss
- Tax-Deferred Growth – Pay no taxes on gains until withdrawal
- Zero Management Fees – No ongoing asset charges
- Flexible Term Options – Choose a time frame that aligns with your goals
Learn how a Fixed Annuity works
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Learn how a Bonus Annuity works
💰 Bonus Annuity Rates – November 2025
Take Advantage of Upfront Bonuses on Select Fixed Indexed Annuities
Looking to give your retirement a boost right from the start? Bonus annuities offer an immediate percentage—often 10% or more—added to your initial premium. That means if you invest $1,000,000, you receive an extra $100,000 credited to your account on day one.
These bonuses can enhance your income rider benefits, grow your accumulation value, or simply provide a stronger foundation for long-term retirement income. It’s a smart way to combine growth potential with added day-one value.
Ask us which bonus annuities are offering the highest rates right now.
Request an Annuity Quote
Get a personalized annuity illustration comparing top carriers, payout options, and guarantees.
Prefer to talk? Call 800-533-5969
✅ Current Bonus Annuity Offers (up to 29% as of November 2025)
| Term | Bonus | Provider | Product | AM Best Rating |
|---|---|---|---|---|
| 5 Years | 12% | GILICO | Growth Builder 5 | A- |
| 7 Years | 15% | Am. Life | American Select Bonus | A |
| 8 Years | 3% | Nationwide | New Heights Select | A+ |
| 9 Years | 5% | Americo | Ultimate One | A |
| 10 Years | 23% | Midland National | Index Builder Plus | A+ |
| 14 Years | 29% | North American | NAC Charter Plus | A+ |
| 15 Years | 27% | Athene | Performance Elite | A+ |
Bonus amounts apply to the initial premium and may vary based on state availability, rider selection, and contract terms. Some products include guaranteed lifetime income, enhanced death benefits, or liquidity features.
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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.
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