Best Annuity Rates Today (2026)

Compare today’s best MYGA and fixed annuity rates from A-rated carriers, updated every 6 hours. Use the table below to sort by rate, term, or carrier, or filter to a specific term length.

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Compare Rates by Term Length

Not sure which term is right for you? Each term has a different rate profile. Shorter terms offer more flexibility; longer terms typically lock in higher rates.

Immediate Annuity (SPIA) Payout Rates

A Single Premium Immediate Annuity (SPIA) converts a lump sum into guaranteed monthly income starting within 30 days. Payouts depend on your age, deposit amount, and whether you want income for life or a fixed period.

Compare SPIA payout rates by age and deposit amount →

What Are MYGA Rates?

A MYGA (Multi-Year Guaranteed Annuity) rate is the fixed interest rate an insurance company guarantees for the entire contract term, typically 2 to 10 years. Unlike a CD, interest inside a MYGA grows tax-deferred until withdrawal. Unlike a savings account, the rate is locked in and cannot change during the guarantee period.

Rates in the table above are from A-rated carriers only (AM Best A- or better). We exclude B-rated and unrated carriers to protect you from counterparty risk.

To understand what moves rates up and down, see our guide: How Are Annuity Rates Set? For historical context, see Annuity Rate Trends 2026.

Find Rates in Your State

Not all products are available in every state. Use our state rate pages to see exactly which carriers and products are available where you live, along with your state’s guaranty association protection limits.

Compare annuity rates by state →