Our editorial team follows strict guidelines to ensure accuracy and objectivity. Learn more about our process.
Looking for the best MYGA rates today? They vary by carrier, term, and how much you deposit. A quarter point over a five- or ten-year lock is real money. We compare 30+ highly rated carriers on this month's sheets. Here are the top MYGA rates available right now.
Current Top MYGA Rates by Term
We compiled the highest published guaranteed crediting rate at each standard term from carrier rate sheets verified August 31, 2026, then ranked carriers within each term by rate and minimum premium. Product availability varies by state — confirm your illustration before you apply.
September 2026 MYGA Rate Comparison — Methodology
InsuranceGeek compiled MYGA rate data by reviewing carrier rate sheets and verifying published guarantees through our live quoting platform across 30+ A-rated carriers. Tables show the top five carriers by guaranteed crediting rate at each term length, with minimum premium bands as listed on the rate sheet. Rates change without notice; this page is educational, not an offer to sell insurance.
- Data source
- InsuranceGeek live quoting platform
- Carriers
- 30+ A-rated carriers
- Date range
- August 31, 2026 (September 2026 publication)
- States
- All 50 states (product availability varies)
| Term | Top guaranteed rate | Example carrier / product |
|---|---|---|
| 2 years | 5.15% | CL Life — CL Sundance 2 ($20,000+) |
| 3 years | 5.85% | Revol One — DirectGrowth 3 ($10,000+) |
| 4 years | 5.60% | Oceanview Life — Harbourview 4 Mid Band ($70,000+) |
| 5 years | 6.25% | Wichita National — Security 5 ($10,000+) |
| 6 years | 6.00% | American Gulf — Anchor MYGA 6 ($10,000+) |
| 7 years | 6.15% | Revol One — DirectGrowth 7 ($10,000+) |
| 10 years | 6.25% | Revol One — DirectGrowth 10 ($10,000+) |
Rates sourced directly from carrier rate sheets and verified by our licensed agents as of August 31, 2026.
What's moving on the September rate comparison
A few meaningful shifts from the August update worth flagging before you shop:
- Revol One is the cycle — DirectGrowth 3 rose 30 basis points to 5.85% and now ties Wichita for the 3-year lead; 5-year rose 15bps to 6.15%; 7-year rose 15bps to 6.15% and takes the lead; 10-year rose 25bps to 6.25% and now matches the 5-year top
- The 4-year term moved again — Oceanview up 15bps to 5.60%, Oxford Multi-Select 4 to 5.50% on the September 1 filing, and Nationwide Secure Growth 4 High Band entered the top five at 5.35%
- Two-year products other than CL Life rose 10 basis points; CL Sundance 2 still leads at 5.15%
- Heartland no longer leads 7- or 10-year terms; American Gulf still leads 6-year only and dropped out of the 5-year top five
- 8- and 9-year terms are not on the August 31 rate sheets; those sections stay removed until carriers publish new guarantees
Rate movements on any given update reflect carrier filing decisions, reinvestment yields, and inflow targets — not a single macro signal. If a term and rate combination works for your timeline, confirm on the day you apply rather than waiting on the next rate sheet cycle.
2-Year MYGA Rates
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| CL Life | CL Sundance 2 | $20,000+ | 5.15% |
| Axonic Insurance | Waypoint 2 MYGA High Band | $100,000+ | 5.10% |
| GBU Life | Asset Guard Select 2 Low Band | $25,000+ | 5.05% |
| GBU Life | Asset Guard Select 2 High Band | $100,000+ | 5.05% |
| Oceanview Life and Annuity | Harbourview 2 Mid Band | $70,000+ | 5.05% |
3-Year MYGA Rates
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Revol One Financial | DirectGrowth 3 | $10,000+ | 5.85% |
| Wichita National Life Ins. Co. | Security 3 | $10,000+ | 5.85% |
| Heartland National | Secure Rate Pro 3 | $5,000+ | 5.80% |
| Revol One Financial | DirectGrowth 3 Enhanced Death Benefit | $10,000+ | 5.75% |
| Revol One Financial | DirectGrowth 3 Free Partial Surrender | $10,000+ | 5.75% |
4-Year MYGA Rates
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Oceanview Life and Annuity | Harbourview 4 Mid Band | $70,000+ | 5.60% |
| Oceanview Life and Annuity | Harbourview 4 High Band | $100,000+ | 5.60% |
| Oxford Life Insurance Company | Multi-Select 4 | $20,000+ | 5.50% |
| Nationwide Life Insurance Co. | Secure Growth 4 High Band | $100,000+ | 5.35% |
| Clear Spring Life | Preserve MYGA 4 High Band | $100,000+ | 5.30% |
5-Year MYGA Rates
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Wichita National Life Ins. Co. | Security 5 | $10,000+ | 6.25% |
| Revol One Financial | DirectGrowth 5 | $10,000+ | 6.15% |
| Heartland National | Secure Rate Pro 5 | $5,000+ | 6.10% |
| Wichita National Life Ins. Co. | Security 5 w/ 10% Free Withdrawal Rider | $10,000+ | 6.10% |
| Wichita National Life Ins. Co. | Security 5 w/ Enhanced Death Benefit Rider | $10,000+ | 6.10% |
6-Year MYGA Rates
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| American Gulf | Anchor MYGA 6 | $10,000+ | 6.00% |
| Oxford Life Insurance Company | Multi-Select 6 | $20,000+ | 5.85% |
| Oceanview Life and Annuity | Harbourview 6 Mid Band | $70,000+ | 5.75% |
| Oceanview Life and Annuity | Harbourview 6 High Band | $100,000+ | 5.75% |
| Sagicor Life Insurance Company | Milestone Max MYGA 6 High Band | $75,000+ | 5.75% |
7-Year MYGA Rates
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Revol One Financial | DirectGrowth 7 | $10,000+ | 6.15% |
| Heartland National | Secure Rate Pro 7 | $5,000+ | 6.10% |
| Wichita National Life Ins. Co. | Security 7 | $10,000+ | 6.10% |
| Revol One Financial | DirectGrowth 7 Enhanced Death Benefit | $10,000+ | 6.05% |
| Revol One Financial | DirectGrowth 7 Free Partial Surrender | $10,000+ | 6.05% |
10-Year MYGA Rates
| Carrier | Product | Min premium | Guaranteed rate |
|---|---|---|---|
| Revol One Financial | DirectGrowth 10 | $10,000+ | 6.25% |
| Revol One Financial | DirectGrowth 10 Enhanced Death Benefit | $10,000+ | 6.15% |
| Revol One Financial | DirectGrowth 10 Free Partial Surrender | $10,000+ | 6.15% |
| Heartland National | Secure Rate Pro 10 | $5,000+ | 6.15% |
| American Century Life Insurance | American Freedom Max Growth 10 | $5,000+ | 6.05% |
Rates, state approvals, and product versions change — verify with a licensed professional before you apply.
MYGA vs. CD Rates
MYGAs in this comparison lead comparable bank CDs by roughly 1.70%–1.85% on 3-, 5-, and 7-year terms. In non-qualified accounts, tax deferral on MYGA earnings widens the gap further versus annually taxed CD interest. See annuities vs CDs for the full comparison.
Frequently Asked Questions
Compare annuity illustrations
Compare MYGA rates, FIA caps, and SPIA payouts across 30+ A-rated carriers on the same premium, term, and state.
Conclusion
The September 2026 MYGA rate comparison shows Revol One stepping up across the board — it now leads 7- and 10-year terms, ties Wichita at 5.85% on 3-year, and the 10-year top matches the 5-year headline at 6.25%. The 4-year term rose again, Oceanview still leads that slot at 5.60%, and American Gulf remains the 6-year leader only. The spread between short and long terms stays tight, which makes term selection a genuine decision rather than a default to the highest number.
The rate tables are the starting point. Minimum renewal rate guarantees, MVA provisions, free withdrawal terms, and issuer financial strength all matter alongside the crediting rate. As an independent agency, we run illustrations across 30+ A-rated carriers and show you the full contract grid before you move money. Confirm state availability and run your numbers before you commit.
Annuities
We'll find your highest MYGA rate in your state.
You saw the snapshot — we'll run your numbers and tell you where you land.
Get My Rate
About Brad Cummins
Brad Cummins is the founder of Insurance Geek and primary author of its educational content. Licensed since 2004, he brings over 21 years of experience structuring life insurance and IUL strategies for clients nationwide.
Fact checked by Ryan Wood
Ryan Wood is a licensed insurance professional and contributing advisor at Insurance Geek, serving as a fact checker and technical reviewer for life insurance and annuity content. First licensed in 2013, he brings more than 12 years of experience and holds licenses in over 40 U.S. states.
