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Today's best annuity rates

An annuity rate is the guaranteed interest, index cap, or income payout an insurer promises in exchange for your premium. We track current example rates across the three categories that matter, MYGA fixed rates, fixed index caps, and income payouts, with the carrier and its financial-strength rating shown up front.

Rates last updated July 30, 2026
Three tables

Which annuity rate matters to you?

A locked number, a growth ceiling, or a monthly paycheck. Pick the table that matches the job.

Top 5 year APY
6.25%

MYGA (fixed rate)

Guaranteed fixed rates by term. The CD alternative.

See the table Top S&P 500 cap
20.25%

Fixed index caps

Growth linked to an index, principal protected.

See the table What $100k pays at 65
$675/mo

Income payouts

Guaranteed monthly income for life.

See the table

Example rates from a licensed feed, not offers. Guarantees rely on the issuing insurer's claims-paying ability. Not FDIC insured. Availability varies by state and rates change; every table carries its update date.

What drives annuity rates? Mostly the bond market: insurers invest premiums in long-term Treasuries and corporate bonds, so when Treasury yields and the Fed's rate path move, MYGA rates and FIA caps follow, usually with a lag. Project what a rate means in dollars with the payout calculator, or browse full product specs.
Common questions

Rate questions, answered honestly

What drives annuity rates?
Mostly the bond market. Insurers invest premiums in long-term Treasuries and corporate bonds, so when Treasury yields and the Federal Reserve's rate path move, MYGA rates and FIA caps tend to follow, usually with a lag of weeks. Carrier appetite matters too: an insurer hungry for business prices above the pack.
Do annuity rates vary by state?
Yes. Annuities are filed and approved state by state, so a product may be unavailable, or carry a different rate, where you live. The tables here show each product's filed availability, and your actual state is confirmed during the application.
How often do annuity rates change?
Carriers reprice as the bond market moves, commonly every few weeks and sometimes faster in a fast-moving rate environment. That is why every table on this site carries the date it was last updated, and why a person confirms the live number before anything is signed.
Are annuity rates higher than CD rates right now?
Often the top MYGA outyields the top CD of the same term, because insurers can hold longer bonds than banks, but it varies by term and by week. A CD is FDIC insured and a MYGA is backed by the insurer instead, so compare both numbers for your own amount with our MYGA vs CD calculator.
Should I wait for higher annuity rates?
Nobody can time the bond market reliably, and waiting has a cost: money sitting in cash earns less while you wait. The honest approach is to match the term to your timeline and, if you are torn, ladder across terms rather than betting everything on one rate call. An advisor can price both paths.
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