New York · updated July 8, 2026

New York fixed annuity rates & guaranty limit.

In New York, 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 York residents — up to <strong>5.20% APY</strong>.

Get a personalized quote

Guaranty coverage limit

$500,000

Per owner, per insurer — the New York 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 York

Top rates filed in your state.

77 products · updated July 8, 2026

# Carrier Product Term Rate (APY) Min
1 Nassau MYAnnuity with 0% FW fixed annuity rate 5-yr 5.20% $10,000 View rate
2 Athene MYG fixed annuity rate 7-yr 5.10% $100,000 View rate
3 Athene MaxRate fixed annuity rate 7-yr 5.10% $100,000 View rate
4 Thrivent Multi-Year Guarantee Annuity with ROP fixed annuity rate 9-yr 5.10% $250,000 View rate
5 Nassau MYAnnuity with 10% FW fixed annuity rate 5-yr 5.00% $10,000 View rate
6 Athene MYG fixed annuity rate 5-yr 5.00% $100,000 View rate
7 Athene MaxRate fixed annuity rate 5-yr 5.00% $100,000 View rate
8 Thrivent Multi-Year Guarantee Annuity with ROP fixed annuity rate 7-yr 5.00% $250,000 View rate
9 MassMutual Stable Voyage fixed annuity rate 5-yr 4.95% $100,000 View rate
10 Thrivent Multi-Year Guarantee Annuity with ROP fixed annuity rate 5-yr 4.95% $250,000 View rate
11 Corebridge (AIG) Pathway Choice Prime fixed annuity rate 5-yr 4.90% $250,000 View rate
12 Corebridge (AIG) Pathway Choice Prime fixed annuity rate 7-yr 4.90% $250,000 View rate
13 MassMutual Stable Voyage fixed annuity rate 4-yr 4.85% $100,000 View rate
14 New York Life Secure Term MVA Fixed Annuity II fixed annuity rate 7-yr 4.80% $100,000 View rate
15 Corebridge (AIG) Pathway Choice Prime fixed annuity rate 4-yr 4.80% $250,000 View rate
16 Manhattan Life Preferred Choice fixed annuity rate 5-yr 4.80% $10,000 View rate
17 Corebridge (AIG) Pathway Choice Prime fixed annuity rate 3-yr 4.80% $250,000 View rate
18 Protective Smart Saver fixed annuity rate 7-yr 4.80% $100,000 View rate
19 Protective Smart Saver fixed annuity rate 6-yr 4.80% $100,000 View rate
20 Protective Smart Saver fixed annuity rate 5-yr 4.80% $100,000 View rate
21 Athene MYG fixed annuity rate 3-yr 4.75% $100,000 View rate
22 Athene MaxRate fixed annuity rate 3-yr 4.75% $100,000 View rate
23 New York Life Secure Term Choice Fixed Annuity II fixed annuity rate 7-yr 4.75% $100,000 View rate
24 New York Life Secure Term MVA Fixed Annuity II fixed annuity rate 6-yr 4.75% $100,000 View rate
25 MassMutual Stable Voyage fixed annuity rate 3-yr 4.75% $100,000 View rate
26 Protective Smart Saver fixed annuity rate 4-yr 4.75% $100,000 View rate
27 Corebridge (AIG) Pathway Choice Focus fixed annuity rate 5-yr 4.70% $250,000 View rate
28 New York Life Secure Term Choice Fixed Annuity II fixed annuity rate 6-yr 4.70% $100,000 View rate
29 New York Life Secure Term MVA Fixed Annuity II fixed annuity rate 5-yr 4.70% $100,000 View rate
30 Corebridge (AIG) Pathway Choice Focus fixed annuity rate 7-yr 4.70% $250,000 View rate
31 New York Life Secure Term Choice Fixed Annuity II fixed annuity rate 5-yr 4.65% $100,000 View rate
32 New York Life Secure Term MVA Fixed Annuity II fixed annuity rate 3-yr 4.65% $100,000 View rate
33 New York Life Secure Term MVA Fixed Annuity II fixed annuity rate 4-yr 4.65% $100,000 View rate
34 Corebridge (AIG) Pathway Choice Focus fixed annuity rate 3-yr 4.60% $250,000 View rate
35 New York Life Secure Term Choice Fixed Annuity II fixed annuity rate 3-yr 4.60% $100,000 View rate
36 New York Life Secure Term Choice Fixed Annuity II fixed annuity rate 4-yr 4.60% $100,000 View rate
37 Corebridge (AIG) Pathway Choice Focus fixed annuity rate 4-yr 4.60% $250,000 View rate
38 PRCUA MYGA 5-Year Annuity fixed annuity rate 5-yr 4.60% $10,000 View rate
39 Thrivent Multi-Year Guarantee Annuity with ROP fixed annuity rate 3-yr 4.60% $250,000 View rate
40 Nationwide Secure Growth fixed annuity rate 5-yr 4.55% $100,000 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 New York rate

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

Get my quote