Highest Fixed Annuity Rates
Jason Stolz CLTC, CRPC
Compare the highest fixed annuity rates available today from more than 75 top-rated carriers. Fixed annuities—most commonly Multi-Year Guaranteed Annuities (MYGAs)—offer predictable growth, principal protection, and tax-deferred compounding. If you want certainty without market volatility, fixed annuities are a straightforward solution.
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How Fixed Annuity Rates Work
A MYGA locks a fixed rate for a set term (1–10 years). Interest compounds tax-deferred and your principal is protected from market loss. To learn the mechanics, see how annuities earn interest, what a deferred annuity is, and whether annuities have fees. Coordinating a fixed annuity with benefits? Review Social Security + annuities, income riders like a GLWB, and the basics of fixed indexed annuities.
Example of Guaranteed Growth
Invest $250,000 into a 5-year fixed annuity at 6.00% and you’d have roughly $334,000 at maturity—steady growth with no market swings. For transfers, compare a direct rollover (qualified plans) or IRA transfer to an annuity. For legacy planning, see annuity death benefits and spousal continuation. Considering an upfront credit? We’ll weigh bonus annuity pros and cons.
📊 Highest Fixed Annuity Rates (as of January 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 | 6.00% | Mountain Life | Secure Summit | B |
| 4 Years | 6.05% | Mountain Life | Secure Summit | B |
| 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 | 6.00% | Mountain Life | Secure Summit | B |
| 9 Years | 5.40% | Mountain Life | Secure Summit | B |
| 10 Years | 6.05% | Wichita National | Security MYGA | B+ |
Rates are subject to change and may vary by state, age, and deposit size. Higher premiums may qualify for enhanced rates. Guarantees rely on the insurer’s claims-paying ability.
💡 Note: The calculator accepts premiums up to $2,000,000. If you’re investing more, results increase in direct proportion — for example, doubling your premium roughly doubles the guaranteed income at the same age and options.
Liquidity, Penalties, and Exchanges
Most MYGAs allow annual penalty-free withdrawals (often 10%) after year one; exceeding that can trigger surrender charges or an MVA. When repositioning funds, consider a direct rollover (401k/403b/457) or IRA transfer to an annuity. If lifetime income is the goal, compare fixed MYGAs against income solutions (best retirement income annuity) and understand spousal continuation and death benefits.
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FAQs: Highest Fixed Annuity Rates
What is a fixed annuity rate?
It’s the guaranteed annual interest credited by a MYGA for a set term (1–10 years). The rate won’t change during the term.
Are fixed annuity rates guaranteed for the full term?
Yes. Once issued, your rate is locked for the entire term regardless of market moves.
How much can I withdraw each year?
Many contracts allow up to 10% of account value annually after the first year. Exceeding that may cause surrender charges and any MVA.
Do fixed annuities have ongoing fees?
Typically no separate management fees. The fixed rate shown is what you earn by contract.
Can I own a fixed annuity inside an IRA?
Yes—via transfer or rollover. In IRAs, taxation follows IRA rules; in non-qualified annuities, growth is tax-deferred until withdrawal.
What happens at maturity?
You can renew, move to a new annuity, or take funds out during the penalty-free window. Many people ladder terms for ongoing access.
Can I exchange an existing annuity to get a higher fixed rate?
Often yes using a tax-free 1035 exchange. Review current surrender charges, any MVA, and the new contract’s terms before moving funds.
How do fixed annuities compare to CDs?
Both provide guaranteed accumulation. CDs are FDIC-insured; annuities are backed by the insurer’s claims-paying ability and offer tax-deferred compounding outside IRAs.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
