North Carolina · updated July 8, 2026

North Carolina fixed annuity rates & guaranty limit.

In North Carolina, 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 North Carolina residents — up to <strong>6.25% APY</strong>.

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Guaranty coverage limit

$250,000

Per owner, per insurer — the North Carolina 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 North Carolina

Top rates filed in your state.

484 products · updated July 8, 2026

# Carrier Product Term Rate (APY) Min
1 Sentinel Security Personal Choice fixed annuity rate 5-yr 6.25% $2,500 View rate
2 Sentinel Security Personal Choice fixed annuity rate 10-yr 6.25% $2,500 View rate
3 Sentinel Security Personal Choice fixed annuity rate 7-yr 6.25% $2,500 View rate
4 Sentinel Security Personal Choice fixed annuity rate 3-yr 6.00% $2,500 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 Atlantic Coast Safe Harbor fixed annuity rate 10-yr 5.91% $5,000 View rate
9 Atlantic Coast Safe Harbor fixed annuity rate 5-yr 5.91% $5,000 View rate
10 Atlantic Coast Safe Harbor fixed annuity rate 6-yr 5.90% $5,000 View rate
11 Atlantic Coast Safe Harbor fixed annuity rate 20-yr 5.90% $5,000 View rate
12 Atlantic Coast Safe Haven fixed annuity rate 5-yr 5.90% $5,000 View rate
13 Atlantic Coast Safe Haven fixed annuity rate 10-yr 5.90% $5,000 View rate
14 Atlantic Coast Safe Haven fixed annuity rate 20-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 Atlantic Coast Safe Haven fixed annuity rate 7-yr 5.89% $5,000 View rate
22 Atlantic Coast Safe Harbor fixed annuity rate 7-yr 5.89% $5,000 View rate
23 Atlantic Coast Safe Haven fixed annuity rate 6-yr 5.87% $5,000 View rate
24 Baltimore Life IQumulate fixed annuity rate 7-yr 5.80% $5,000 View rate
25 Baltimore Life IQumulate fixed annuity rate 5-yr 5.80% $5,000 View rate
26 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 7-yr 5.80% $25,000 View rate
27 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 10-yr 5.80% $25,000 View rate
28 Revol One DirectGrowth MYGA with Free Partial Surrender and Enhanced Death Benefit fixed annuity rate 5-yr 5.80% $25,000 View rate
29 Atlantic Coast Safe Harbor fixed annuity rate 3-yr 5.79% $5,000 View rate
30 Atlantic Coast Safe Haven fixed annuity rate 3-yr 5.78% $5,000 View rate
31 Knighthead Staysail MYGA fixed annuity rate 5-yr 5.75% $100,000 View rate
32 Ohio State Life Nex Multi-Year Guaranteed Annuity fixed annuity rate 3-yr 5.75% $10,000 View rate
33 Ohio State Life Nex Multi-Year Guaranteed Annuity fixed annuity rate 5-yr 5.75% $10,000 View rate
34 American National Palladium MYG MAX fixed annuity rate 6-yr 5.73% $250,000 View rate
35 Knighthead Staysail MYGA fixed annuity rate 7-yr 5.72% $100,000 View rate
36 Oceanview Harbourview MYGA fixed annuity rate 10-yr 5.70% $100,000 View rate
37 Oxford Life Multi-Select MYGA fixed annuity rate 6-yr 5.70% $20,000 View rate
38 Baltimore Life IQumulate with Enhanced Death Benefit fixed annuity rate 7-yr 5.65% $5,000 View rate
39 Royal Neighbors MYGA fixed annuity rate 10-yr 5.65% $100,000 View rate
40 SBLI ECAccumulate fixed annuity rate 5-yr 5.65% $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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We'll show the exact rate you qualify for in North Carolina — and a licensed human, appointed here, who can place it.

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