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 October 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% | Nassau | Nassau Simple Annuity | B+ |
| 5 Years | 6.25% | Wichita National | Security MYGA | B+ |
| 6 Years | 5.55% | Nassau | Nassau Simple Annuity | B+ |
| 7 Years | 6.10% | Wichita National | Security MYGA | B+ |
| 8 Years | 5.40% | 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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FAQs: Current Fixed Annuity Rates
What are current fixed annuity rates?
They’re today’s crediting rates on fixed annuities—especially MYGAs (Multi-Year Guaranteed Annuities)—that lock a guaranteed interest rate for a set term like 3, 5, 7, or 10 years.
How often do MYGA rates change?
Carriers can update rates as frequently as weekly or monthly, depending on interest markets and product demand.
Are fixed annuity rates guaranteed for the entire term?
Yes—MYGA rates are guaranteed for the full term stated in the contract. Your principal is protected and your rate won’t fluctuate during the term.
What affects the current rate I’m offered?
Term length, premium band (deposit size), selected options (e.g., MVA), state availability, and carrier pricing all influence the rate.
How is interest credited on fixed annuities?
Most MYGAs accrue interest daily and credit annually, though crediting timing is contract-specific. Either way, interest compounds and is tax-deferred until withdrawn.
What is a Market Value Adjustment (MVA)?
An MVA can adjust your value (up or down) on withdrawals above free amounts or full surrender during the term based on interest rate movements since issue. It doesn’t change the credited rate itself.
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 contract year as penalty-free withdrawals. Exceeding that can trigger surrender charges and any MVA.
Do fixed annuities work inside IRAs and for rollovers?
Yes. MYGAs can be used inside Traditional or Roth IRAs via transfer/rollover. In IRAs, tax deferral follows IRA rules; in non-qualified annuities, tax deferral is provided by the contract.
How do RMDs interact with a MYGA?
For Traditional IRAs, you must take required minimum distributions. Many carriers waive surrender charges on RMD amounts, but confirm the provision before purchasing.
Can I lock today’s rate while funds transfer?
Many carriers offer a rate-lock once they receive your app or funds. The lock window varies—ask how long your rate is protected during processing and transfers.
How do fixed annuity rates compare with CD rates?
Both offer guaranteed accumulation over a term. CDs are FDIC-insured; annuities are backed by the insurer’s claims-paying ability and state regulation. MYGAs often compete closely and add tax-deferred growth outside IRAs.
What happens at the end of the term?
You’ll have a window to renew, transfer, or withdraw without surrender charges. If you do nothing, some contracts auto-renew; others move to a holding account—check your contract’s maturity rules.
What minimum and maximum premiums apply?
Common minimums range from $10,000 to $100,000, with higher tiers sometimes earning better rates. Maximums vary by carrier and may require approval above certain amounts.
Can I use a 1035 exchange to capture a better rate?
Often yes for non-qualified annuities. Compare surrender charges, any MVA, new rates/terms, and state availability before exchanging to a new contract.
Does insurer financial strength matter?
Absolutely. Your guarantees rely on the insurer’s claims-paying ability. Review independent ratings and diversify or ladder across carriers if desired.
Should I ladder fixed annuities?
Laddering different terms can improve liquidity, average rates over time, and provide reinvestment opportunities as maturities roll off.
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