Minnesota · updated July 8, 2026

Minnesota fixed annuity rates & guaranty limit.

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

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Guaranty coverage limit

$250,000

Per owner, per insurer — the Minnesota 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 Minnesota

Top rates filed in your state.

490 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 Upstream Life Secure Legacy fixed annuity rate 4-yr 6.08% $10,000 View rate
3 Aspida Advisory MYGA fixed annuity rate 7-yr 6.05% $100,000 View rate
4 Upstream Life Secure Legacy fixed annuity rate 6-yr 6.05% $10,000 View rate
5 Revol One DirectGrowth MYGA fixed annuity rate 7-yr 6.00% $25,000 View rate
6 Revol One DirectGrowth MYGA fixed annuity rate 10-yr 6.00% $25,000 View rate
7 Revol One DirectGrowth MYGA fixed annuity rate 5-yr 6.00% $25,000 View rate
8 Sentinel Security Personal Choice fixed annuity rate 5-yr 5.95% $2,500 View rate
9 Sentinel Security Personal Choice fixed annuity rate 7-yr 5.95% $2,500 View rate
10 Sentinel Security Personal Choice fixed annuity rate 10-yr 5.95% $2,500 View rate
11 Revol One DirectGrowth MYGA with Free Partial Surrender fixed annuity rate 5-yr 5.90% $25,000 View rate
12 Revol One DirectGrowth MYGA with Free Partial Surrender fixed annuity rate 10-yr 5.90% $25,000 View rate
13 Revol One DirectGrowth MYGA with Free Partial Surrender fixed annuity rate 7-yr 5.90% $25,000 View rate
14 Revol One DirectGrowth MYGA with Enhanced Death Benefit fixed annuity rate 5-yr 5.90% $25,000 View rate
15 Revol One DirectGrowth MYGA with Enhanced Death Benefit fixed annuity rate 10-yr 5.90% $25,000 View rate
16 Revol One DirectGrowth MYGA with Enhanced Death Benefit fixed annuity rate 7-yr 5.90% $25,000 View rate
17 Upstream Life Secure Legacy fixed annuity rate 3-yr 5.90% $10,000 View rate
18 Aspida Advisory MYGA fixed annuity rate 5-yr 5.85% $100,000 View rate
19 Baltimore Life IQumulate fixed annuity rate 7-yr 5.80% $5,000 View rate
20 Baltimore Life IQumulate fixed annuity rate 5-yr 5.80% $5,000 View rate
21 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 7-yr 5.80% $25,000 View rate
22 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 10-yr 5.80% $25,000 View rate
23 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 5-yr 5.80% $25,000 View rate
24 Knighthead Staysail MYGA fixed annuity rate 5-yr 5.75% $100,000 View rate
25 Ohio State Life Nex Multi-Year Guaranteed Annuity fixed annuity rate 3-yr 5.75% $10,000 View rate
26 Ohio State Life Nex Multi-Year Guaranteed Annuity fixed annuity rate 5-yr 5.75% $10,000 View rate
27 American National Palladium MYG MAX fixed annuity rate 6-yr 5.73% $250,000 View rate
28 Knighthead Staysail MYGA fixed annuity rate 7-yr 5.72% $100,000 View rate
29 Aspida Synergy Choice fixed annuity rate 7-yr 5.70% $100,000 View rate
30 Oceanview Harbourview MYGA fixed annuity rate 10-yr 5.70% $100,000 View rate
31 Oxford Life Multi-Select MYGA fixed annuity rate 6-yr 5.70% $20,000 View rate
32 Sentinel Security Personal Choice fixed annuity rate 3-yr 5.70% $2,500 View rate
33 Baltimore Life IQumulate with Enhanced Death Benefit fixed annuity rate 7-yr 5.65% $5,000 View rate
34 Royal Neighbors MYGA fixed annuity rate 10-yr 5.65% $100,000 View rate
35 Aspida Synergy Choice fixed annuity rate 5-yr 5.65% $100,000 View rate
36 SBLI ECAccumulate fixed annuity rate 5-yr 5.65% $100,000 View rate
37 Baltimore Life IQumulate with Enhanced Death Benefit fixed annuity rate 5-yr 5.65% $5,000 View rate
38 Sagicor Milestone Max MYGA fixed annuity rate 7-yr 5.60% $75,000 View rate
39 Baltimore Life IQumulate with Partial Withdrawal Charges Waiver fixed annuity rate 5-yr 5.60% $5,000 View rate
40 Baltimore Life IQumulate with Partial Withdrawal Charges Waiver fixed annuity rate 7-yr 5.60% $5,000 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.

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

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