Current Fixed Annuity Rates
Compare current fixed annuity rates from more than 75 top-rated carriers—without pressure or sales tactics. Fixed annuities are a safe and predictable way to grow your retirement savings, offering guaranteed interest, principal protection, and tax-deferred growth.
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Why Consider Fixed Annuities?
- Guaranteed Interest: Lock in a fixed rate for the full term.
- Principal Protection: Your deposit is 100% protected from market losses.
- Tax-Deferred Growth: Pay no taxes on gains until withdrawal.
- Zero Management Fees: Unlike mutual funds, there are no ongoing fees.
- Flexible Term Options: Choose the time horizon that fits your retirement plan.
Example of Growth with Fixed Annuities
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 exposure to market volatility.
💰 Current Fixed Annuity Rates (as of Aug 2025)
| 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 | 6.10% | Wichita National | Security 3 MYGA | B+ |
| 4 Years | 5.30% | Americo Financial Life and Annuity | Platinum Assure | A |
| 5 Years | 6.25% | Wichita National | Security MYGA | B+ |
| 6 Years | 5.90% | Atlantic Coast Life | Safe Harbor Bonus Guarantee | B+ |
| 7 Years | 6.10% | Wichita National | Security MYGA | B+ |
| 8 Years | 5.65% | EquiTrust Life Insurance Company | Certainty Select | B++ |
| 9 Years | 5.35% | Clear Spring Life and Annuity | Preserve MYGA | A- |
| 10 Years | 6.05% | Wichita National | Security MYGA | B+ |
Rates are subject to change and may vary by state, age, and premium amount. Larger deposits may qualify for additional enhancements.
What’s Next?
Fixed annuities can be an excellent fit if you want guaranteed growth, protection from market risk, and predictable returns. With access to over 75 top-rated carriers, we help you find the highest available rates while ensuring the safety and strength of the insurer you select. Interested to see current bonus annuity rates?
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