MYGA rates

Best 3 year annuity rates

The best current 3 year MYGA rates. A short lock for savers who want a guaranteed rate without a long commitment.

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 November 3, 2026 · 8 products at the 3 year termView
Showing 8 of 8 products
Mountain LifeBest 3 yrAlpine Horizon 3
6.20%3-year guaranteed
AM BestB-
Min premium$5,000
Est. growth at $100,000$19,777
Side by side
Why this carrier? The highest 3 year rate on our board today, from a carrier rated B- by AM Best, with a low $5,000 minimum and filings in 24 states.
AbilityReliAbility MYGA 3
6.15%3-year guaranteed
AM BestB+
Min premium$50,000
Est. growth at $100,000$19,608
Side by side
Revol One FinancialBreakThrough 3yr
6.10%3-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$19,439
Side by side
Revol One FinancialDirectGrowth 3
6.10%3-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$19,439
Side by side
NexAnnuityNexHaven 3
6.00%3-year guaranteed
AM BestB+
Min premium$50,000
Est. growth at $100,000$19,102
Side by side
NexAnnuityNexHaven 3 CA
6.00%3-year guaranteed
AM BestB+
Min premium$50,000
Est. growth at $100,000$19,102
Side by side
Revol One FinancialBreakthrough 3yr (CA)
6.00%3-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$19,102
Side by side
Revol One FinancialBreakThrough 3yr with Enhanced Death Benefit
5.90%3-year guaranteed
AM BestB++
Min premium$10,000
Est. growth at $100,000$18,765
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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