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.
Carriers reprice as the bond market moves. Lock today's number with a Certified Annuity Advisor before it changes.
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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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Rates shown are not offers. Guarantees rely on the issuing insurer's claims-paying ability, not FDIC insurance. Confirm the current number with an advisor before purchasing. Updated August 2, 2026.
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