California · updated July 8, 2026

California fixed annuity rates & guaranty limit.

In California, the state guaranty association covers annuity contract value up to <strong>$250,000</strong> per owner per insurer. Below are the highest guaranteed rates filed for sale to California residents — up to <strong>6.05% APY</strong>.

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Guaranty coverage limit

$250,000

Per owner, per insurer — the California guaranty association's present-value cap if a carrier fails. It's a backstop, not a reason to pick a weak carrier. How guaranty limits work →

Available in California

Top rates filed in your state.

404 products · updated July 8, 2026

# Carrier Product Term Rate (APY) Min
1 Aspida Advisory MYGA fixed annuity rate 7-yr 6.05% $100,000 View rate
2 Sentinel Security Personal Choice ages 60+ fixed annuity rate 5-yr 6.05% $2,500 View rate
3 Sentinel Security Personal Choice ages 60+ fixed annuity rate 7-yr 6.05% $2,500 View rate
4 Sentinel Security Personal Choice ages 60+ fixed annuity rate 10-yr 6.05% $2,500 View rate
5 Revol One DirectGrowth MYGA fixed annuity rate 5-yr 5.90% $25,000 View rate
6 Revol One DirectGrowth MYGA fixed annuity rate 7-yr 5.90% $25,000 View rate
7 Aspida Advisory MYGA fixed annuity rate 5-yr 5.85% $100,000 View rate
8 Axonic Waypoint MYGA fixed annuity rate 5-yr 5.80% $100,000 View rate
9 Revol One DirectGrowth MYGA with Free Partial Surrender fixed annuity rate 7-yr 5.80% $25,000 View rate
10 Revol One DirectGrowth MYGA with Free Partial Surrender fixed annuity rate 5-yr 5.80% $25,000 View rate
11 Ohio State Life Nex Multi-Year Guaranteed Annuity fixed annuity rate 5-yr 5.75% $10,000 View rate
12 American National Palladium MYG MAX fixed annuity rate 6-yr 5.73% $250,000 View rate
13 Aspida Synergy Choice fixed annuity rate 7-yr 5.70% $100,000 View rate
14 Oxford Life Multi-Select MYGA fixed annuity rate 6-yr 5.70% $20,000 View rate
15 Sentinel Security Personal Choice ages 60+ fixed annuity rate 3-yr 5.70% $2,500 View rate
16 Knighthead Staysail MYGA fixed annuity rate 5-yr 5.67% $100,000 View rate
17 Aspida Synergy Choice fixed annuity rate 5-yr 5.65% $100,000 View rate
18 SBLI ECAccumulate fixed annuity rate 5-yr 5.65% $100,000 View rate
19 Knighthead Staysail MYGA fixed annuity rate 7-yr 5.65% $100,000 View rate
20 American National Palladium MYG fixed annuity rate 6-yr 5.58% $250,000 View rate
21 Sagicor Milestone MYGA fixed annuity rate 7-yr 5.55% $100,000 View rate
22 Axonic Incline MYGA fixed annuity rate 5-yr 5.55% $100,000 View rate
23 Oceanview Harbourview MYGA fixed annuity rate 10-yr 5.55% $100,000 View rate
24 Nassau MYAnnuity with 0% FW fixed annuity rate 7-yr 5.55% $10,000 View rate
25 American National Palladium MYG MAX fixed annuity rate 7-yr 5.55% $250,000 View rate
26 Axonic Waypoint MYGA fixed annuity rate 10-yr 5.50% $100,000 View rate
27 Axonic Waypoint MYGA fixed annuity rate 7-yr 5.50% $100,000 View rate
28 ELCO Mutual Guardian Eagle fixed annuity rate 5-yr 5.50% $5,000 View rate
29 Axonic Waypoint MYGA fixed annuity rate 3-yr 5.50% $100,000 View rate
30 Aspida WealthLock MYGA fixed annuity rate 7-yr 5.50% $100,000 View rate
31 Oxford Life Multi-Select MYGA fixed annuity rate 7-yr 5.50% $20,000 View rate
32 Nassau Simple Annuity fixed annuity rate 6-yr 5.50% $10,000 View rate
33 EquiTrust Certainty Select fixed annuity rate 10-yr 5.50% $10,000 View rate
34 Nassau MYAnnuity with 0% FW fixed annuity rate 5-yr 5.50% $10,000 View rate
35 AuguStar LunarLock fixed annuity rate 5-yr 5.50% $100,000 View rate
36 Midland Oak ADVantage fixed annuity rate 5-yr 5.50% $50,000 View rate
37 Ohio State Life Nex Multi-Year Guaranteed Annuity fixed annuity rate 3-yr 5.50% $10,000 View rate
38 Americo Platinum Assure fixed annuity rate 5-yr 5.45% $25,000 View rate
39 Clear Spring Preserve MYGA fixed annuity rate 5-yr 5.45% $100,000 View rate
40 Sagicor Milestone MYGA fixed annuity rate 5-yr 5.45% $100,000 View rate

See the national best-rate leaderboard →

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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.

See the top rates ranked →  ·  or compare side by side.

Browse by state

Fixed annuity rates by state.

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

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We'll show the exact rate you qualify for in California — and a licensed human, appointed here, who can place it.

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