American Century fixed annuity rates

American Century, founded in 1940 and headquartered in Texas, issues 6 fixed annuities in 3 to 10-year terms.

6.05% Top APY

B++ AM Best

1940 Founded

Available products

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Showing nationally available rates. Filings vary by state — pick yours above to see exactly what you can buy.

Product	3-yr	5-yr	7-yr	10-yr	Min
Freedom Max Growth	5.60%	6.00%	6.00%	6.05%	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% 10-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% / 0.5% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features Market Value Adjustment
Freedom Max Growth with Interest-Only Withdrawal	5.50%	5.90%	5.90%	5.95%	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% 10-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% / 0.5% Free withdrawal No free withdrawals in year 1. From year 2 onward you can withdraw accumulated interest without a surrender charge. Features Market Value Adjustment
Freedom Max Growth with Required Minimum	5.50%	5.90%	5.90%	5.95%	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% 10-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% / 0.5% Free withdrawal No free withdrawals during the surrender period. Any withdrawals are subject to surrender charges. Features Market Value Adjustment
Freedom Max Growth with Free Partial Withdrawal Rider	5.45%	5.85%	5.85%	5.90%	$5k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% 10-yr 9% / 8% / 7% / 6% / 5% / 4.5% / 3.5% / 2.5% / 1.5% / 0.5% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Year 1 has no free-withdrawal allowance. Features Market Value Adjustment
SPDA with Free Withdrawal Waiver	5.55%	5.80%	5.80%	5.85%	$2k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% 10-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% / 2% / 1% / 0.5% Free withdrawal Each year you can withdraw your accumulated interest without a surrender charge. Principal withdrawals are subject to surrender charges. Features Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment
SPDA Guaranteed Interest Rate	5.50%	5.75%	5.75%	5.80%	$2k	↓
Surrender schedule 3-yr 9% / 8% / 7% 5-yr 9% / 8% / 7% / 6% / 5% 7-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% 10-yr 9% / 8% / 7% / 6% / 5% / 4% / 3% / 2% / 1% / 0.5% Free withdrawal Up to 10% of the contract value can be withdrawn each year free of surrender charges. Unused free-withdrawal amounts may carry forward to subsequent years. Features Death Benefit Waiver · RMD-Friendly (RMD withdrawals exempt from surrender charge) · Market Value Adjustment

About American Century

Founded: 1940 Texas
AM Best rating: B++ What this means
Phone: (855) 966-1111
Website: aclic.com
Carrier brochure: ↓ Download (PDF)
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit. See limits by state.

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American Century fixed annuity rates

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