New Jersey · updated August 17, 2026

New Jersey fixed annuity rates & guaranty limit.

In New Jersey, the state guaranty association covers annuity contract value up to $500,000 per owner per insurer. Below are the highest guaranteed rates filed for sale to New Jersey residents — up to 6.05% APY.

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Guaranty coverage limit

$500,000

Per owner, per insurer — the New Jersey 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 New Jersey

Top rates filed in your state.

449 products · updated August 17, 2026

# Carrier APY
1 AspidaAdvisory MYGA · 7-yr 6.05%
2 American CenturyFreedom Max Growth · 10-yr 6.05%
3 American CenturyFreedom Max Growth · 7-yr 6.00%
4 American CenturyFreedom Max Growth · 5-yr 6.00%
5 Revol OneDirectGrowth MYGA · 7-yr 6.00%
6 Revol OneDirectGrowth MYGA · 10-yr 6.00%
7 Revol OneDirectGrowth MYGA · 5-yr 6.00%
8 American CenturyFreedom Max Growth with Required Minimum · 10-yr 5.95%
9 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 10-yr 5.95%
10 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 7-yr 5.90%
11 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 5-yr 5.90%
12 American CenturyFreedom Max Growth with Required Minimum · 5-yr 5.90%
13 American CenturyFreedom Max Growth with Required Minimum · 7-yr 5.90%
14 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 10-yr 5.90%
15 Revol OneDirectGrowth MYGA with Free Partial Surrender · 5-yr 5.90%
16 Revol OneDirectGrowth MYGA with Free Partial Surrender · 10-yr 5.90%
17 Revol OneDirectGrowth MYGA with Free Partial Surrender · 7-yr 5.90%
18 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 5-yr 5.90%
19 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 10-yr 5.90%
20 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 7-yr 5.90%
21 AspidaAdvisory MYGA · 5-yr 5.85%
22 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 7-yr 5.85%
23 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 5-yr 5.85%
24 American CenturySPDA with Free Withdrawal Waiver · 10-yr 5.85%
25 Baltimore LifeIQumulate · 7-yr 5.80%
26 OceanviewHarbourview MYGA · 10-yr 5.80%
27 Baltimore LifeIQumulate · 5-yr 5.80%
28 American CenturySPDA with Free Withdrawal Waiver · 7-yr 5.80%
29 American CenturySPDA with Free Withdrawal Waiver · 5-yr 5.80%
30 American CenturySPDA Guaranteed Interest Rate · 10-yr 5.80%
31 Revol OneDirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit · 7-yr 5.80%
32 Revol OneDirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit · 10-yr 5.80%
33 Revol OneDirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit · 5-yr 5.80%
34 KnightheadStaysail MYGA · 5-yr 5.75%
35 American CenturySPDA Guaranteed Interest Rate · 5-yr 5.75%
36 American CenturySPDA Guaranteed Interest Rate · 7-yr 5.75%
37 Ohio State LifeNex Multi-Year Guaranteed Annuity · 5-yr 5.75%
38 Ohio State LifeNex Multi-Year Guaranteed Annuity · 3-yr 5.75%
39 KnightheadStaysail MYGA · 7-yr 5.72%
40 American NationalPalladium MYG MAX · 6-yr 5.72%

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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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