MYGA rates

Best 5 year annuity rates

The best current 5 year MYGA rates. The most popular term, balancing a strong rate against a manageable lock-up.

A MYGA (multi-year guaranteed annuity) locks one fixed interest rate for the full term, like a CD issued by an insurer instead of a bank: tax-deferred, and backed by the carrier's claims-paying ability rather than FDIC insurance. New to the product? Read the full MYGA guide.

Rates last updated August 2, 2026 · 8 products at the 5 year termView
Showing 8 of 8 products
Today's top rate
Wichita NationalBest 5 yrSecurity 5
6.25%5-year guaranteed
AM BestB+
Min premium$10,000
Est. growth at $100,000$35,408
Side by side
Why this carrier? The highest 5 year rate on our board today, from a carrier rated B+ by AM Best, with a low $10,000 minimum and filings in 19 states and DC.
Revol One FinancialDirectGrowth 5
6.15%5-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$34,772
Side by side
AnnuaLife pick
Heartland NationalSecure Rate Pro 5
6.10%5-year guaranteed
AM BestB++
Min premium$5,000
Est. growth at $100,000$34,455
Side by side
Revol One FinancialDirectGrowth 5 (CA)
6.05%5-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$34,138
Side by side
Revol One FinancialDirectGrowth 5 Enhanced Death Benefit
6.05%5-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$34,138
Side by side
American Century Life InsuranceAmerican Freedom Max Growth 5
6.00%5-year guaranteed
AM BestB++
Min premium$5,000
Est. growth at $100,000$33,823
Side by side
American GulfAnchor MYGA 5
6.00%5-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$33,823
Side by side
FarmersFarmers Safeguard Plus 5
6.00%5-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$33,823
Side by side

Rates shown are not offers. Confirm the current number with the carrier before purchasing. Guarantees rely on the issuing insurer's claims-paying ability. Not FDIC insured. Availability varies by state, and rates change often, which is why every table carries its update date.

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