3-Year MYGA Rates: The Full Market Table

Every visible 3-year multi-year guaranteed annuity rate in the live CANNEX feed - 188 rates across 57 carriers, as of July 16, 2026. Ranked by guaranteed rate with AM Best ratings and premium bands, so mid-market and low-end rates are visible, not just the top of the leaderboard.

6.80%

Top 3-year rate

4.82%

Market average

4.85%

Median rate

188

Rates listed

Today's top 3-year rate: 6.80% from Atlantic Coast Life (AM Best B).

Full market

All 3-year MYGA rates, filterable

The complete 3-year table at a $100,000 premium, as of July 16, 2026. Filter by minimum AM Best rating or carrier. For state- and premium-specific results, use the MYGA rate finder; for the ranked shortlist, see best 3-year MYGA rates.

AM Best

Carrier

Sort

Showing 188 of 188 3-year MYGA rates.

#	Carrier	Product	3-Year Guaranteed Rate	AM Best	Premium
1	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 6.80% first year / 5.80% renewal	6.80%	B	Varies
2	Atlantic Coast Life	Safe Harbor Bonus GuaranteeStep schedule: 6.70% first year / 5.70% renewal	6.70%	B	Varies
3	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.45% first year / 5.45% renewal	6.45%	B	Varies
4	Atlantic Coast Life	Safe Haven Bonus GuaranteeStep schedule: 6.35% first year / 5.35% renewal	6.35%	B	Varies
5	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.05% first year / 4.05% renewal	6.05%	A+	Varies
6	Western-Southern Life Assurance Company	MultiRateStep schedule: 6.00% first year / 4.00% renewal	6.00%	A+	Varies
7	Canvas Annuity	Canvas Future FundFlat rate	6.00%	B++	Varies
8	Mountain Life Insurance Company	Alpine HorizonFlat rate	6.00%	B+	Varies
9	Sentinel Security Life	Personal Choice AnnuityFlat rate	6.00%	B	Varies
10	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.90%	B	Varies
11	Wichita National Life Insurance	Security MYGAFlat rate	5.85%	B+	Varies
12	Mountain Life Insurance Company	Secure SummitFlat rate	5.85%	B+	Varies
13	Knighthead Life	StaysailFlat rate	5.80%	A-	$100,000+
14	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.80%	B++	Varies
15	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.75%	B++	Varies
16	Mountain Life Insurance Company	Alpine HorizonFlat rate	5.75%	B+	Varies
17	NexAnnuity	Nex MYGAFlat rate	5.75%	B+	Varies
18	Corebridge Financial	American Pathway Fixed 7 AnnuityStep schedule: 5.70% first year / 5.10% renewal	5.70%	A	$100,000+
19	Knighthead Life	StaysailFlat rate	5.70%	A-	$100,000+
20	Heartland National Life Insurance Company	Secure Rate ProFlat rate	5.70%	B++	Varies
21	Wichita National Life Insurance	Security MYGAFlat rate	5.70%	B+	Varies
22	Sentinel Security Life	Personal Choice AnnuityFlat rate	5.70%	B	Varies
23	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.65%	B++	Varies
24	Mountain Life Insurance Company	Secure SummitFlat rate	5.60%	B+	Varies
25	NexAnnuity	Nex MYGAFlat rate	5.60%	B+	Varies
26	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.55%	B++	Varies
27	American Life & Security Corp	American ClassicStep schedule: 5.55% first year / 5.10% renewal	5.55%	B++	Varies
28	Revol One Financial	DirectGrowth MYGAFlat rate	5.55%	B++	Varies
29	Corebridge Financial	American Pathway Fixed 5 AnnuityStep schedule: 5.50% first year / 5.10% renewal	5.50%	A	$100,000+
30	Axonic Insurance Services	Waypoint MYGAFlat rate	5.50%	A-	$100,000+
31	CL Life and Annuity Insurance Company	CL SundanceFlat rate	5.50%	B++	Varies
32	NexAnnuity	Nex MYGAFlat rate	5.50%	B+	Varies
33	Corebridge Financial	American Pathway Fixed 7 AnnuityStep schedule: 5.45% first year / 4.85% renewal	5.45%	A	$100,000+
34	Revol One Financial	DirectGrowth MYGAFlat rate	5.45%	B++	Varies
35	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.45%	B++	Varies
36	NexAnnuity	Nex MYGAFlat rate	5.45%	B+	Varies
37	Knighthead Life	StaysailFlat rate	5.40%	A-	$100,000+
38	Axonic Insurance Services	Incline Advisory MYGAFlat rate	5.40%	A-	$100,000+
39	Midland National Life Insurance Company	Oak ADVantageFlat rate	5.35%	A+	Varies
40	Midland National Life Insurance Company	Oak ADVantage CareFlat rate	5.35%	A+	Varies
41	Revol One Financial	DirectGrowth MYGAFlat rate	5.35%	B++	Varies
42	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.35%	B++	Varies
43	Revol One Financial	DirectGrowth MYGA CaliforniaFlat rate	5.35%	B++	Varies
44	NexAnnuity	Nex MYGAFlat rate	5.35%	B+	Varies
45	Knighthead Life	StaysailFlat rate	5.30%	A-	$100,000+
46	Farmers Life Insurance Company	Safeguard PlusFlat rate	5.30%	B++	Varies
47	American National Insurance Company	Palladium MYG MaxFlat rate	5.25%	A	$100,000 - $250,000
48	Axonic Insurance Services	Incline MYGAFlat rate	5.25%	A-	$100,000+
49	ELCO Mutual Life and Annuity	Guardian EagleFlat rate	5.25%	B++	Varies
50	Clear Spring Life and Annuity Company	Preserve Multi-Year Guaranteed AnnuityFlat rate	5.20%	A-	$100,000+
51	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.20%	B++	Varies
52	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.20%	B++	Varies
53	NexAnnuity	Nex MYGAFlat rate	5.20%	B+	Varies
54	Corebridge Financial	American Pathway Fixed 5 AnnuityStep schedule: 5.15% first year / 4.85% renewal	5.15%	A	$100,000+
55	Aspida Life Insurance Company	Aspida Advisory MYGAFlat rate	5.15%	A-	$100,000+
56	EquiTrust Life Insurance Company	Certainty SelectFlat rate	5.15%	B++	Varies
57	Baltimore Life Companies	IQumulate Single Premium Deferred AnnuityFlat rate	5.15%	B++	Varies
58	Integrity Life Insurance Company (W&S)	SPDA Series IIStep schedule: 5.10% first year / 4.10% renewal	5.10%	A+	Varies
59	Pacific Life Insurance Company	Pacific HarborFlat rate	5.10%	A+	Up to $200,000
60	American National Insurance Company	Palladium MYGFlat rate	5.10%	A	$100,000 - $250,000
61	Corebridge Financial	American Pathway AdvisoryFlat rate	5.10%	A	$100,000 - $250,000
62	Security Benefit Life Insurance Company	Advanced ChoiceFlat rate	5.10%	A-	$100,000+
63	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.10%	B++	Varies
64	Midland National Life Insurance Company	LiveWell Guarantee MaxFlat rate	5.05%	A+	$100,000 - $250,000
65	Midland National Life Insurance Company	MNL Guarantee ProFlat rate	5.05%	A+	$100,000+
66	Oceanview Life and Annuity Company	Harbourview Multi-Year Guaranteed AnnuityFlat rate	5.05%	A	$100,000+
67	American National Insurance Company	Palladium Match MYGFlat rate	5.05%	A	$100,000 - $250,000
68	Delaware Life	Apex MYGAFlat rate	5.05%	A-	$100,000+
69	Delaware Life	Pinnacle Plus MYGAFlat rate	5.05%	A-	$100,000+
70	Heartland National Life Insurance Company	Secure Rate MYGAFlat rate	5.05%	B++	Varies
71	Athene Annuity and Life Company	Athene MaxRateFlat rate	5.00%	A+	$100,000+
72	North American Company for Life and Health Insurance	NAC Guarantee PlusFlat rate	5.00%	A+	$100,000+
73	Corebridge Financial	Pathway ChoiceFlat rate	5.00%	A	$100,000 - $250,000
74	Pacific Guardian Life	Diamond Head MYGAFlat rate	5.00%	A	Varies
75	Massachusetts Mutual Life Insurance Company	Premier VoyageFlat rate	4.95%	A++	$100,000 - $1,000,000
76	Athene Annuity and Life Company	Athene MYGFlat rate	4.95%	A+	$100,000+
77	Pacific Life Insurance Company	Expedition 2 with MVAFlat rate	4.95%	A+	$100,000+
78	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.95%	A	$100,000+
79	GBU Financial Life Insurance Company	Asset GuardFlat rate	4.95%	A-	$100,000+
80	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.95%	A-	$100,000+
81	Sagicor Life Insurance Company	Milestone Max MYGAFlat rate	4.95%	A-	$75,000+
82	Delaware Life	Apex ControlFlat rate	4.95%	A-	$100,000+
83	Massachusetts Mutual Life Insurance Company	Stable VoyageFlat rate	4.90%	A++	$100,000+
84	Pacific Life Insurance Company	Expedition IIFlat rate	4.90%	A+	$100,000+
85	Symetra Life Insurance Company	Select MaxFlat rate	4.90%	A	$100,000 - $250,000
86	Oceanview Life and Annuity Company	Sky Harbourview Multi-Year Guaranteed AnnuityFlat rate	4.90%	A	$100,000+
87	Sagicor Life Insurance Company	Milestone MYGAFlat rate	4.90%	A-	$100,000+
88	GCU Insurance	Triple Advantage PLUSFlat rate	4.90%	A-	$50,000+
89	Athene Annuity and Life Company	Athene MYGFlat rate	4.85%	A+	$100,000+
90	Pacific Life Insurance Company	Expedition IIFlat rate	4.85%	A+	$100,000+
91	Symetra Life Insurance Company	Select ProFlat rate	4.85%	A	$100,000 - $250,000
92	Oxford Life Insurance Company	Multi SelectFlat rate	4.85%	A	Varies
93	Royal Neighbors of America	Multi-year Guarantee AnnuityFlat rate	4.85%	A	$100,000+
94	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.85%	A-	$100,000+
95	Talcott Financial Group	EverStead MYGAFlat rate	4.85%	A-	$100,000 - $500,000
96	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	4.80%	A+	$100,000 - $500,000
97	The Standard	Multi-Choice AnnuityFlat rate	4.80%	A	$100,000+
98	Aspida Life Insurance Company	WealthLock MYGA PlusFlat rate	4.80%	A-	$100,000+
99	Athene Annuity and Life Company	Athene MaxRateFlat rate	4.75%	A+	$100,000+
100	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.75%	A+	$100,000+
101	North American Company for Life and Health Insurance	NAC Max Elite GuaranteeFlat rate	4.75%	A+	$100,000+
102	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.75%	A	$100,000+
103	Brighthouse Financial	Brighthouse Fixed Rate Annuity with MVAFlat rate	4.75%	A	$100,000+
104	Fidelity and Guaranty	FG Guarantee-PlatinumFlat rate	4.75%	A	Varies
105	The Standard	Focused Growth AnnuityFlat rate	4.75%	A	$100,000+
106	The Standard	Multi-Choice AnnuityFlat rate	4.75%	A	$100,000+
107	Fidelity and Guaranty	F&G Secure MYGA® MVAFlat rate	4.75%	A	$100,000+
108	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.75%	A	$100,000 - $250,000
109	Aspida Life Insurance Company	Synergy Choice MYGAFlat rate	4.75%	A-	$100,000+
110	Aspida Life Insurance Company	WealthLock MYGAFlat rate	4.75%	A-	$100,000+
111	Minnesota Life Insurance Company - A Securian Co.	SecureOption ChoiceFlat rate	4.70%	A+	$100,000 - $500,000
112	Athene Annuity and Life Company	Athene MYGFlat rate	4.70%	A+	$100,000+
113	Pacific Life Insurance Company	Expedition IIFlat rate	4.70%	A+	$100,000+
114	Prudential Financial	Prudential WealthGuardFlat rate	4.70%	A+	$100,000+
115	Symetra Life Insurance Company	Select ProFlat rate	4.70%	A	$100,000 - $250,000
116	The Standard	Multi-Choice AnnuityFlat rate	4.70%	A	$100,000+
117	AuguStar Financial	LunarGuard MYGAFlat rate	4.70%	A	$100,000+
118	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term MVA IIFlat rate	4.65%	A++	$100,000 - $1,500,000
119	Athene Annuity and Life Company	Athene MYG NYFlat rate	4.65%	A+	$100,000+
120	AuguStar Financial	LunarLock MYGAFlat rate	4.65%	A	$100,000+
121	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.65%	A-	$100,000+
122	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.60%	A++	$100,000+
123	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity VFlat rate	4.60%	A++	$100,000 - $1,500,000
124	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.60%	A	$100,000+
125	The Standard	Multi-Choice AnnuityFlat rate	4.60%	A	$100,000+
126	Corebridge Financial	Pathway Choice Prime NYFlat rate	4.60%	A	$100,000 - $250,000
127	AuguStar Financial	LunarGuard MYGAFlat rate	4.60%	A	$100,000+
128	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.60%	A-	$100,000+
129	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.55%	A	$100,000 - $250,000
130	AuguStar Financial	LunarLock MYGAFlat rate	4.55%	A	$100,000+
131	AuguStar Financial	LunarLock PrimeFlat rate	4.55%	A	$100,000+
132	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.55%	A-	$100,000+
133	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.55%	A-	$100,000+
134	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.50%	A-	$100,000+
135	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.50%	A-	$100,000+
136	SILAC Insurance Company	Secure Savings EliteFlat rate	4.50%	B+	Varies
137	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.45%	A++	$100,000+
138	Brighthouse Financial	Brighthouse Fixed Rate AnnuityFlat rate	4.45%	A	$100,000+
139	Americo Financial Life and Annuity Insurance Company	Platinum AssureFlat rate	4.45%	A	Varies
140	AuguStar Financial	LunarLock PrimeFlat rate	4.45%	A	$100,000+
141	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.45%	A-	$100,000+
142	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.45%	A-	$100,000+
143	SILAC Insurance Company	Secure Savings EliteFlat rate	4.44%	B+	Varies
144	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Fixed Annuity IV - FP SeriesFlat rate	4.40%	A++	$100,000+
145	Corebridge Financial	Pathway Choice Focus NYFlat rate	4.40%	A	$100,000 - $250,000
146	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.40%	A-	$100,000+
147	SILAC Insurance Company	Secure Savings EliteFlat rate	4.40%	B+	Varies
148	New York Life Insurance and Annuity Corporation (NYLIAC)	Secure Term Choice IIFlat rate	4.35%	A++	$100,000+
149	Fidelity and Guaranty	F&G Secure MYGA® Non-MVAFlat rate	4.35%	A	$100,000+
150	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.35%	A-	$100,000+
151	S.USA Life Insurance Company Inc.	Select ChoiceFlat rate	4.35%	A-	$100,000+
152	Global Atlantic - Forethought Life Insurance Company	SecureForeFlat rate	4.30%	A	$100,000+
153	Global Atlantic - Forethought Life Insurance Company	SecureFore IIFlat rate	4.30%	A	$100,000+
154	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.30%	A-	$100,000+
155	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.25%	A+	$100,000+
156	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.25%	A-	$100,000+
157	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.20%	A-	$100,000+
158	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.15%	A-	$100,000+
159	MassMutual Ascend Life Insurance Company	American Freedom Classic 3 - 2025Flat rate	4.10%	A++	$100,000+
160	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.10%	A+	$100,000+
161	Western-Southern Life Assurance Company	SmartSelectFlat rate	4.10%	A+	$100,000+
162	Western-Southern Life Assurance Company	SmartSelect TwoFlat rate	4.10%	A+	$100,000+
163	Jackson National Life Insurance	Jackson RateProtectorFlat rate	4.10%	A	$100,000+
164	Eagle Life Insurance Company	Eagle Guarantee Focus SeriesFlat rate	4.05%	A	$100,000 - $250,000
165	Fidelity and Guaranty	F&G Secure MYGA® ROPFlat rate	4.05%	A	$100,000+
166	S.USA Life Insurance Company Inc.	Select Choice PlusFlat rate	4.05%	A-	$100,000+
167	Nationwide Life Insurance Company	Secure GrowthFlat rate	4.00%	A+	$100,000+
168	MassMutual Ascend Life Insurance Company	SecureGain 3 - 2025Flat rate	3.95%	A++	$100,000+
169	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.90%	A+	$100,000+
170	Guaranty Income Life Insurance Company	Guaranty Rate LockFlat rate	3.90%	A-	$100,000 - $250,000
171	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.85%	A+	$100,000+
172	Symetra Life Insurance Company	Select Pro NYFlat rate	3.85%	A	$100,000 - $250,000
173	MassMutual Ascend Life Insurance Company	American Freedom Aspire 3Flat rate	3.75%	A++	$100,000+
174	Nationwide Life Insurance Company	Secure GrowthFlat rate	3.75%	A+	$100,000+
175	Minnesota Life Insurance Company - A Securian Co.	SecureOption FocusFlat rate	3.75%	A+	$100,000+
176	American Equity Investment Life Insurance Company	American Equity GuaranteeShieldFlat rate	3.75%	A	$100,000 - $250,000
177	Symetra Life Insurance Company	Select Pro NYFlat rate	3.65%	A	$100,000 - $250,000
178	United Life Insurance Company	Performance SPDAFlat rate	3.60%	A-	$100,000+
179	SILAC Insurance Company	Secure Savings EliteFlat rate	3.50%	B+	Varies
180	MassMutual Ascend Life Insurance Company	SecureGain 3Flat rate	3.45%	A++	$100,000+
181	United Life Insurance Company	Performance SPDAFlat rate	3.45%	A-	$100,000+
182	SILAC Insurance Company	Secure Savings EliteFlat rate	3.44%	B+	Varies
183	MassMutual Ascend Life Insurance Company	SecureGain 3Flat rate	3.40%	A++	$100,000+
184	SILAC Insurance Company	Secure Savings EliteFlat rate	3.40%	B+	Varies
185	American National Insurance Company	Palladium MYGFlat rate	3.15%	A	$100,000 - $250,000
186	SILAC Insurance Company	Secure SavingsFlat rate	3.15%	B+	Varies
187	Investors Heritage	Heritage Builder AnnuityFlat rate	3.00%	B++	Varies
188	Nationwide Life Insurance Company	Platinum EdgeFlat rate	2.70%	A+	Varies

25th-75th percentile band: 4.45% to 5.25%. Lowest listed rate: 2.70%. Rates vary by state, premium band, and issue age - verify with the carrier before purchase.

Rate history context

The 3-year MYGA rate index

5.93%+12 bps today

The MYGA 3-Year Rate Index averages the top 25 declared 3-year guaranteed rates in the CANNEX feed under the index's own premium scenario, so it tracks the competitive top of the market rather than the whole-market average of 4.82% computed from the table above. Daily values and movement come from the Annuity Rate Index.

Mar 18, 2026: 4.41% → Jul 16, 2026: 4.69% · range 4.41%-4.69%

Broader movement across all terms and product types is tracked on rate changes.

Free Comparison Report

Get 3-year MYGA rates matched to you

See current rates for your state, premium, and age in a personalized comparison - including premium bands not shown at the $100,000 default.

Get Free Report

MYGA rates by term

2-year MYGA ratesFull market table 4-year MYGA ratesFull market table 5-year MYGA ratesFull market table 6-year MYGA ratesFull market table 7-year MYGA ratesFull market table 10-year MYGA ratesFull market table

Best 3-year MYGA rates (top 25) MYGA rate hub Build a MYGA ladder Annuity vs CD

3-year MYGA rates FAQ

What is a 3-year MYGA?

A 3-year MYGA (multi-year guaranteed annuity) is a fixed annuity that credits a declared guaranteed rate for a 3-year guarantee period. The rate shown is a guaranteed fixed rate, not a cap, participation rate, or illustration.

How is this different from the Best 3-Year MYGA Rates page?

The best-rates page ranks the top 25 3-year products. This hub shows the full visible 3-year market from the CANNEX feed - including mid-pack and low-end rates - with distribution stats so you can see where any quote falls. This page currently lists 188 3-year rates from the live feed.

Why do 3-year MYGA rates differ so much across carriers?

Carriers price MYGA rates by financial-strength position, premium band, state approvals, and rate schedule. A higher rate often comes from a lower AM Best rated carrier, which is why the rating appears beside every rate in the table.

Is the 3-year rate locked for the whole term?

Most 3-year MYGAs credit one flat guaranteed rate for the full guarantee period. Some products use a step schedule with a different first-year rate; those products are labeled with their schedule in the table instead of being shown as a flat rate.

Are these rates FDIC insured?

No. MYGA guarantees are backed by the issuing insurance carrier's claims-paying ability, not FDIC insurance. State guaranty associations provide separate, limited coverage that varies by state.

Sources and data: all 3-year MYGA rates are sourced from CANNEX Financial Exchanges via AdvisorWorld, as of July 16, 2026, at a $100,000 premium with no state filter. The rate index is computed from the same data and averages top declared rates only. Rates vary by state, premium band, and issue age. Educational only - not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC insured.