Updated July 24, 2026

Best Fixed Annuity (MYGA) Rates — July 24, 2026

The highest guaranteed annuity rates available right now, ranked and refreshed from the live carrier feed — up to 6.38% APY. 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 24, 2026 from the live feed.

# Carrier Term Rate (APY)
1 Upstream Life 5-yr 6.38%
2 Mountain Life 5-yr 6.30%
3 Sentinel Security 5-yr 6.25%
4 Sentinel Security 7-yr 6.25%
5 Sentinel Security 10-yr 6.25%
6 Sentinel Security 5-yr 6.25%
7 Sentinel Security 7-yr 6.25%
8 Sentinel Security 10-yr 6.25%
9 Wichita National 5-yr 6.25%
10 Heartland National 10-yr 6.15%
11 Heartland National 7-yr 6.10%
12 Heartland National 10-yr 6.10%
13 Heartland National 5-yr 6.10%
14 Wichita National 7-yr 6.10%
15 Wichita National 5-yr 6.10%
16 Wichita National 5-yr 6.10%
17 Upstream Life 4-yr 6.08%
18 Aspida 7-yr 6.05%
19 Mountain Life 5-yr 6.05%
20 Mountain Life 5-yr 6.05%
21 Farmers Life 10-yr 6.05%
22 Heartland National 7-yr 6.05%
23 Heartland National 5-yr 6.05%
24 Heartland National 10-yr 6.05%
25 Upstream Life 6-yr 6.05%
26 Mountain Life 4-yr 6.05%
27 American Century 10-yr 6.05%
28 Wichita National 10-yr 6.05%
29 Farmers Life 5-yr 6.00%
30 American Gulf 5-yr 6.00%
31 American Gulf 6-yr 6.00%
32 Sentinel Security 3-yr 6.00%
33 Sentinel Security 3-yr 6.00%
34 Heartland National 5-yr 6.00%
35 Heartland National 7-yr 6.00%
36 American Century 7-yr 6.00%
37 Mountain Life 3-yr 6.00%
38 Mountain Life 8-yr 6.00%
39 American Century 5-yr 6.00%
40 Revol One 5-yr 6.00%
41 Revol One 7-yr 6.00%
42 Revol One 10-yr 6.00%
43 Farmers Life 7-yr 5.95%
44 American Century 10-yr 5.95%
45 American Century 10-yr 5.95%
46 Wichita National 7-yr 5.95%
47 Wichita National 7-yr 5.95%
48 Wichita National 5-yr 5.95%
49 Atlantic Coast 5-yr 5.91%
50 Atlantic Coast 10-yr 5.91%

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Fixed annuity rates by insurer.

76 insurers, updated from the live rate feed. Open any carrier to compare its MYGA rates across every term.

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Fixed annuity rates by state.

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

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