Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Multi-year guaranteed · MYGA

Best 3-year annuity rates

Current 3-year multi-year guaranteed annuity (MYGA) rates, a fixed, locked rate for the full 3-year term. Highest right now: 6.20%.
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Top 3-year rate

6.10%

B++ or better, yield to surrender

Products
152
Carriers
65
Highest, any rating
6.20%
As of
Oct 26
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3-year MYGA rates

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Carrier
Min rate
MVA
Premium bonus
Premium amount
Showing 1 to 15 of 152 products
Alpine Horizon 3
Mountain Life
6.20%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
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DirectGrowth 3
Revol One Financial
6.10%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
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BreakThrough 3yr
Revol One Financial
6.10%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
Details →
Secure Summit 3
Mountain Life
6.05%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
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CL Sundance 3
CL Life
6.00%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
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DirectGrowth 3 (CA)
Revol One Financial
6.00%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
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DirectGrowth 3 Enhanced Death Benefit
Revol One Financial
6.00%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
Details →
DirectGrowth 3 Free Partial Surrender
Revol One Financial
6.00%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
Details →
Breakthrough 3yr (CA)
Revol One Financial
6.00%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
Details →
BreakThrough 3yr with Enhanced Death Benefit
Revol One Financial
6.00%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
Details →
BreakThrough 3yr with Free Partial Surrender
Revol One Financial
6.00%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
Details →
Personal Choice Annuity 3
Sentinel Security Life Insurance Company
6.00%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
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Palladium MYG MAX 3
American National Insurance Company
5.90%
PER YEAR
3-YR TERM10-YR SURRENDERMVANO BONUS
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Farmers Safeguard Plus 3
Farmers Life Insurance Company
5.90%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
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DirectGrowth 3 Free Partial Surrender & Enhanced Death Benefit
Revol One Financial
5.90%
PER YEAR
3-YR TERM3-YR SURRENDERMVANO BONUS
Details →

Rates are current as of 2026-10-26 and shown for the highest available premium band per product. Rates change frequently and vary by premium amount and state. Confirm with the carrier before purchasing. This is rate information, not a quote or a recommendation.

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