New Jersey · updated July 8, 2026

New Jersey fixed annuity rates & guaranty limit.

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

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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.

448 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 American Century Freedom Max Growth fixed annuity rate 10-yr 6.05% $5,000 View rate
3 American Century Freedom Max Growth fixed annuity rate 5-yr 6.00% $5,000 View rate
4 American Century Freedom Max Growth fixed annuity rate 7-yr 6.00% $5,000 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 American Century Freedom Max Growth with Required Minimum fixed annuity rate 10-yr 5.95% $5,000 View rate
9 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 10-yr 5.95% $5,000 View rate
10 American Century Freedom Max Growth with Required Minimum fixed annuity rate 5-yr 5.90% $5,000 View rate
11 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 7-yr 5.90% $5,000 View rate
12 American Century Freedom Max Growth with Free Partial Withdrawal Rider fixed annuity rate 10-yr 5.90% $5,000 View rate
13 American Century Freedom Max Growth with Interest-Only Withdrawal fixed annuity rate 5-yr 5.90% $5,000 View rate
14 American Century Freedom Max Growth with Required Minimum fixed annuity rate 7-yr 5.90% $5,000 View rate
15 Revol One DirectGrowth MYGA with Free Partial Surrender fixed annuity rate 5-yr 5.90% $25,000 View rate
16 Revol One DirectGrowth MYGA with Free Partial Surrender fixed annuity rate 10-yr 5.90% $25,000 View rate
17 Revol One DirectGrowth MYGA with Free Partial Surrender fixed annuity rate 7-yr 5.90% $25,000 View rate
18 Revol One DirectGrowth MYGA with Enhanced Death Benefit fixed annuity rate 5-yr 5.90% $25,000 View rate
19 Revol One DirectGrowth MYGA with Enhanced Death Benefit fixed annuity rate 10-yr 5.90% $25,000 View rate
20 Revol One DirectGrowth MYGA with Enhanced Death Benefit fixed annuity rate 7-yr 5.90% $25,000 View rate
21 Aspida Advisory MYGA fixed annuity rate 5-yr 5.85% $100,000 View rate
22 American Century SPDA with Free Withdrawal Waiver fixed annuity rate 10-yr 5.85% $2,000 View rate
23 American Century Freedom Max Growth with Free Partial Withdrawal Rider fixed annuity rate 7-yr 5.85% $5,000 View rate
24 American Century Freedom Max Growth with Free Partial Withdrawal Rider fixed annuity rate 5-yr 5.85% $5,000 View rate
25 American Century SPDA with Free Withdrawal Waiver fixed annuity rate 7-yr 5.80% $2,000 View rate
26 Baltimore Life IQumulate fixed annuity rate 7-yr 5.80% $5,000 View rate
27 Baltimore Life IQumulate fixed annuity rate 5-yr 5.80% $5,000 View rate
28 American Century SPDA Guaranteed Interest Rate fixed annuity rate 10-yr 5.80% $2,000 View rate
29 American Century SPDA with Free Withdrawal Waiver fixed annuity rate 5-yr 5.80% $2,000 View rate
30 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 7-yr 5.80% $25,000 View rate
31 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 10-yr 5.80% $25,000 View rate
32 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 5-yr 5.80% $25,000 View rate
33 American Century SPDA Guaranteed Interest Rate fixed annuity rate 5-yr 5.75% $2,000 View rate
34 American Century SPDA Guaranteed Interest Rate fixed annuity rate 7-yr 5.75% $2,000 View rate
35 Knighthead Staysail MYGA fixed annuity rate 5-yr 5.75% $100,000 View rate
36 Ohio State Life Nex Multi-Year Guaranteed Annuity fixed annuity rate 3-yr 5.75% $10,000 View rate
37 Ohio State Life Nex Multi-Year Guaranteed Annuity fixed annuity rate 5-yr 5.75% $10,000 View rate
38 American National Palladium MYG MAX fixed annuity rate 6-yr 5.73% $250,000 View rate
39 Knighthead Staysail MYGA fixed annuity rate 7-yr 5.72% $100,000 View rate
40 Aspida Synergy Choice fixed annuity rate 7-yr 5.70% $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.

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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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