Locked-In Interest with Tiered Rates

The Secure Growth Annuity allows you to choose a guarantee period that locks in your interest rate for the duration of the term. At the time of publication, higher rates are available for deposits of $100,000 or more, which makes this an especially attractive solution for larger rollovers or repositioning idle cash.

A minimum of $10,000 is required to start, making it accessible while still offering strong growth potential compared to CDs or savings accounts.

If you’d like a side-by-side comparison of top MYGA rates based on your investment amount and term preference, complete our quick Annuity Quote Request Form and we’ll send personalized options your way.

Liquidity When You Need It

Despite being a fixed product, the Secure Growth Annuity still offers some flexibility. After the first contract year, you can withdraw up to 10% of the account value each year without penalty. And if life throws an unexpected challenge your way, Nationwide includes withdrawal charge waivers for:

• Long-term care needs

• Terminal illness diagnosis

• Required Minimum Distributions (RMDs)

This provides valuable access to funds if circumstances change—even in a product designed for predictable, long-term accumulation.

Legacy and Income Options

If left untouched, the Nationwide Secure Growth contract value will be paid in full to your beneficiaries, bypassing probate and avoiding surrender charges upon death. It also includes built-in options to annuitize the contract, turning it into a reliable stream of income for life—or for a set period of time, depending on your needs.

And since the growth is tax-deferred, your savings compound faster than they would in a taxable account—an added advantage for retirement planning.

Who This Annuity May Be a Good Fit For

The Secure Growth Fixed Annuity is a great fit for:

• Individuals nearing retirement who want guaranteed growth with no market risk

• Conservative savers looking to earn more than a traditional CD or savings account

• People who want to preserve principal while deferring taxes on gains

• Retirees who may need occasional liquidity for RMDs, emergencies, or income

• Those with non-qualified savings or retirement accounts they’d like to reposition safely

It’s especially useful for people who want to keep things simple—no moving parts, no index allocations—just steady growth they can rely on.