Maryland · updated July 8, 2026

Maryland fixed annuity rates & guaranty limit.

In Maryland, 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 Maryland residents — up to <strong>6.38% APY</strong>.

Get a personalized quote

Guaranty coverage limit

$250,000

Per owner, per insurer — the Maryland 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 Maryland

Top rates filed in your state.

585 products · updated July 8, 2026

# 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 10-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 5-yr 6.25% $2,500 View rate
6 Heartland National Secure Rate Pro (7-10) fixed annuity rate 10-yr 6.15% $5,000 View rate
7 Heartland National Secure Rate Pro (7-10) fixed annuity rate 7-yr 6.10% $5,000 View rate
8 Heartland National Secure Rate Pro (7-10) with RMD Rider fixed annuity rate 10-yr 6.10% $5,000 View rate
9 Heartland National Secure Rate Pro (3-5) fixed annuity rate 5-yr 6.10% $5,000 View rate
10 Upstream Life Secure Legacy fixed annuity rate 4-yr 6.08% $10,000 View rate
11 Aspida Advisory MYGA fixed annuity rate 7-yr 6.05% $100,000 View rate
12 Mountain Life Alpine Horizon with 10% Free Withdrawal fixed annuity rate 5-yr 6.05% $5,000 View rate
13 Mountain Life Alpine Horizon with RMD Free Withdrawal fixed annuity rate 5-yr 6.05% $5,000 View rate
14 Heartland National Secure Rate Pro (7-10) with RMD Rider fixed annuity rate 7-yr 6.05% $5,000 View rate
15 Heartland National Secure Rate Pro (3-5) with RMD Rider fixed annuity rate 5-yr 6.05% $5,000 View rate
16 Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider fixed annuity rate 10-yr 6.05% $5,000 View rate
17 Upstream Life Secure Legacy fixed annuity rate 6-yr 6.05% $10,000 View rate
18 Mountain Life Alpine Horizon fixed annuity rate 4-yr 6.05% $5,000 View rate
19 American Century Freedom Max Growth fixed annuity rate 10-yr 6.05% $5,000 View rate
20 Sentinel Security Personal Choice fixed annuity rate 3-yr 6.00% $2,500 View rate
21 Heartland National Secure Rate Pro (3-5) with Interest Withdrawal Rider fixed annuity rate 5-yr 6.00% $5,000 View rate
22 Heartland National Secure Rate Pro (7-10) with Interest Withdrawal Rider fixed annuity rate 7-yr 6.00% $5,000 View rate
23 American Century Freedom Max Growth fixed annuity rate 5-yr 6.00% $5,000 View rate
24 American Century Freedom Max Growth fixed annuity rate 7-yr 6.00% $5,000 View rate
25 Mountain Life Alpine Horizon fixed annuity rate 3-yr 6.00% $5,000 View rate
26 Mountain Life Secure Summit fixed annuity rate 8-yr 6.00% $5,000 View rate
27 Revol One DirectGrowth MYGA fixed annuity rate 7-yr 6.00% $25,000 View rate
28 Revol One DirectGrowth MYGA fixed annuity rate 10-yr 6.00% $25,000 View rate
29 Revol One DirectGrowth MYGA fixed annuity rate 5-yr 6.00% $25,000 View rate
30 American Century Freedom Max Growth with Required Minimum fixed annuity rate 10-yr 5.95% $5,000 View rate
31 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 10-yr 5.95% $5,000 View rate
32 Atlantic Coast Safe Harbor fixed annuity rate 10-yr 5.91% $5,000 View rate
33 Atlantic Coast Safe Harbor fixed annuity rate 5-yr 5.91% $5,000 View rate
34 Atlantic Coast Safe Harbor fixed annuity rate 6-yr 5.90% $5,000 View rate
35 Atlantic Coast Safe Harbor fixed annuity rate 20-yr 5.90% $5,000 View rate
36 Atlantic Coast Safe Haven fixed annuity rate 5-yr 5.90% $5,000 View rate
37 Atlantic Coast Safe Haven fixed annuity rate 10-yr 5.90% $5,000 View rate
38 Atlantic Coast Safe Haven fixed annuity rate 20-yr 5.90% $5,000 View rate
39 American Century Freedom Max Growth with Required Minimum fixed annuity rate 5-yr 5.90% $5,000 View rate
40 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 7-yr 5.90% $5,000 View rate

See the national best-rate leaderboard →

Browse by carrier

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.

Lock a Maryland rate

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

Get my quote