Updated July 11, 2026

Best Fixed Annuity (MYGA) Rates — July 11, 2026

The highest guaranteed annuity rates available right now, ranked and refreshed from the live carrier feed — up to <strong>6.38% APY</strong>. Every rate is a real, in-force contract you can lock today.

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Compiled & reviewed by Rikin Shah, licensed insurance agent (NPN 20214763), appointed in all 50 states.

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Top rates, ranked.

Rates updated July 11, 2026 from the live feed.

# Carrier Product Term Rate (APY) Min
1 Upstream Life Secure Legacy fixed annuity rate 5-yr 6.38% $10,000 View rate
2 Mountain Life Alpine Horizon fixed annuity rate 5-yr 6.30% $5,000 View rate
3 Sentinel Security Personal Choice fixed annuity rate 5-yr 6.25% $2,500 View rate
4 Sentinel Security Personal Choice fixed annuity rate 7-yr 6.25% $2,500 View rate
5 Sentinel Security Personal Choice fixed annuity rate 10-yr 6.25% $2,500 View rate
6 Sentinel Security Personal Choice ages 60+ fixed annuity rate 5-yr 6.25% $2,500 View rate
7 Sentinel Security Personal Choice ages 60+ fixed annuity rate 7-yr 6.25% $2,500 View rate
8 Sentinel Security Personal Choice ages 60+ fixed annuity rate 10-yr 6.25% $2,500 View rate
9 Wichita National Security MYGA fixed annuity rate 5-yr 6.25% $10,000 View rate
10 Heartland National Secure Rate Pro (7-10) fixed annuity rate 10-yr 6.15% $5,000 View rate
11 Heartland National Secure Rate Pro (7-10) fixed annuity rate 7-yr 6.10% $5,000 View rate
12 Heartland National Secure Rate Pro (7-10) with RMD Rider fixed annuity rate 10-yr 6.10% $5,000 View rate
13 Heartland National Secure Rate Pro (3-5) fixed annuity rate 5-yr 6.10% $5,000 View rate
14 Wichita National Security MYGA fixed annuity rate 7-yr 6.10% $10,000 View rate
15 Wichita National Security MYGA with 10% Free Withdrawal Rider fixed annuity rate 5-yr 6.10% $10,000 View rate
16 Wichita National Security MYGA with Enhanced Death Benefit Rider fixed annuity rate 5-yr 6.10% $10,000 View rate
17 Upstream Life Secure Legacy fixed annuity rate 4-yr 6.08% $10,000 View rate
18 Aspida Advisory MYGA fixed annuity rate 7-yr 6.05% $100,000 View rate
19 Mountain Life Alpine Horizon with 10% Free Withdrawal fixed annuity rate 5-yr 6.05% $5,000 View rate
20 Mountain Life Alpine Horizon with RMD Free Withdrawal fixed annuity rate 5-yr 6.05% $5,000 View rate
21 Farmers Life Safeguard Plus fixed annuity rate 10-yr 6.05% $10,000 View rate
22 Heartland National Secure Rate Pro (7-10) with RMD Rider fixed annuity rate 7-yr 6.05% $5,000 View rate
23 Heartland National Secure Rate Pro (3-5) with RMD Rider fixed annuity rate 5-yr 6.05% $5,000 View rate
24 Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider fixed annuity rate 10-yr 6.05% $5,000 View rate
25 Upstream Life Secure Legacy fixed annuity rate 6-yr 6.05% $10,000 View rate
26 Mountain Life Alpine Horizon fixed annuity rate 4-yr 6.05% $5,000 View rate
27 American Century Freedom Max Growth fixed annuity rate 10-yr 6.05% $5,000 View rate
28 Wichita National Security MYGA fixed annuity rate 10-yr 6.05% $10,000 View rate
29 Farmers Life Safeguard Plus fixed annuity rate 5-yr 6.00% $10,000 View rate
30 American Gulf Anchor MYGA fixed annuity rate 5-yr 6.00% $10,000 View rate
31 American Gulf Anchor MYGA fixed annuity rate 6-yr 6.00% $10,000 View rate
32 Sentinel Security Personal Choice ages 60+ fixed annuity rate 3-yr 6.00% $2,500 View rate
33 Sentinel Security Personal Choice fixed annuity rate 3-yr 6.00% $2,500 View rate
34 Heartland National Secure Rate Pro (3-5) with Interest Withdrawal Rider fixed annuity rate 5-yr 6.00% $5,000 View rate
35 Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider fixed annuity rate 7-yr 6.00% $5,000 View rate
36 American Century Freedom Max Growth fixed annuity rate 7-yr 6.00% $5,000 View rate
37 Mountain Life Alpine Horizon fixed annuity rate 3-yr 6.00% $5,000 View rate
38 Mountain Life Secure Summit fixed annuity rate 8-yr 6.00% $5,000 View rate
39 American Century Freedom Max Growth fixed annuity rate 5-yr 6.00% $5,000 View rate
40 Revol One DirectGrowth MYGA fixed annuity rate 5-yr 6.00% $25,000 View rate
41 Revol One DirectGrowth MYGA fixed annuity rate 7-yr 6.00% $25,000 View rate
42 Revol One DirectGrowth MYGA fixed annuity rate 10-yr 6.00% $25,000 View rate
43 Farmers Life Safeguard Plus fixed annuity rate 7-yr 5.95% $10,000 View rate
44 American Century Freedom Max Growth with Required Minimum fixed annuity rate 10-yr 5.95% $5,000 View rate
45 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 10-yr 5.95% $5,000 View rate
46 Wichita National Security MYGA with 10% Free Withdrawal Rider fixed annuity rate 7-yr 5.95% $10,000 View rate
47 Wichita National Security MYGA with Enhanced Death Benefit Rider fixed annuity rate 7-yr 5.95% $10,000 View rate
48 Wichita National Security MYGA with Enhanced Death Benefit and 10% Free Withdrawal Riders fixed annuity rate 5-yr 5.95% $10,000 View rate
49 Atlantic Coast Safe Harbor fixed annuity rate 5-yr 5.91% $5,000 View rate
50 Atlantic Coast Safe Harbor fixed annuity rate 10-yr 5.91% $5,000 View rate

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Each state's guaranty coverage limit and the top annuity rates filed for sale there.

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