Heartland National Secure Rate MYGA with 5% Free Withdrawal Rider — 10-year fixed annuity at 5.80%
- Locks in 5.80% for 10 years
- Open with $5,000 to $1,000,000
- Free withdrawals allowed for:
- 5% of your balance each year
Rates as of May 8, 2026
Projected balance
over 10 years
Compounded at 5.80% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $580 | $10,580 |
| 2 | $614 | $11,194 |
| 3 | $649 | $11,843 |
| 4 | $687 | $12,530 |
| 5 | $727 | $13,256 |
| 6 | $769 | $14,025 |
| 7 | $813 | $14,839 |
| 8 | $861 | $15,699 |
| 9 | $911 | $16,610 |
| 10 | $963 | $17,573 |
| Total earnings | $7,573 | $17,573 |
Free-withdrawal allowance: 5% / yr. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #19 of 55 (top is 6.25% — Sentinel Security Personal Choice)
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 9.0% |
| Year 2 | 8.0% |
| Year 3 | 7.0% |
| Year 4 | 6.0% |
| Year 5 | 5.0% |
| Year 6 | 4.0% |
| Year 7 | 3.0% |
| Year 8 | 2.5% |
| Year 9 | 1.5% |
| Year 10 | 0.9% |
Contract terms
What else to know
Term
10 years guaranteed at 5.80% APY
Investment range
$5,000 – $1,000,000
Funding sources accepted
Roth Conversion (Full), Traditional IRA, Non-Qualified, SIMPLE IRA, IRA-Roth, TSA 403b, SEP IRA, 401k
Owner age
0 to 90 years old
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Heartland National contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
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