Updated August 17, 2026

Best 2-Year Fixed Annuity (MYGA) Rates — August 17, 2026

The highest guaranteed 2-year annuity rates available right now, ranked and refreshed from the live carrier feed — up to 5.30% 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 August 17, 2026 from the live feed.

# Carrier Term Rate (APY)
1 Upstream Life 2-yr 5.30%
2 Mountain Life 2-yr 5.25%
3 CL Life 2-yr 5.15%
4 Axonic 2-yr 5.00%
5 Axonic 2-yr 5.00%
6 Mountain Life 2-yr 5.00%
7 Mountain Life 2-yr 5.00%
8 GBU Life 2-yr 4.95%
9 Oceanview 2-yr 4.95%
10 Aspida 2-yr 4.50%
11 Aspida 2-yr 4.25%
12 KSKJ Life 2-yr 4.20%
13 Americo 2-yr 4.15%
14 Aspida 2-yr 4.15%
15 KSKJ Life 2-yr 4.10%
16 MassMutual 2-yr 4.05%
17 KSKJ Life 2-yr 4.05%
18 MassMutual 2-yr 4.05%
19 Talcott Financial 2-yr 4.05%
20 Aspida 2-yr 3.95%
21 SILAC 2-yr 3.90%
22 ELCO Mutual 2-yr 3.50%
23 SILAC 2-yr 2.60%

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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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