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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: 6.00%.
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3-year MYGA rates
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Showing 1–15 of 147 products
| Product | Term | Rate | Surrender | MVA | Bonus | |
|---|---|---|---|---|---|---|
| Alpine Horizon 3 Mountain Life | 3-yr | 6.00% | 3-yr | Yes | — | Review → |
| Personal Choice Annuity 3 Sentinel Security Life Insurance Company | 3-yr | 6.00% | 3-yr | Yes | — | Review → |
| Personal Choice Annuity 3 (FL) Sentinel Security Life Insurance Company | 3-yr | 5.90% | 3-yr | Yes | — | Review → |
| Secure Legacy 3 Year Upstream Life | 3-yr | 5.90% | 3-yr | Yes | — | Review → |
| Secure Summit 3 Mountain Life | 3-yr | 5.85% | 3-yr | Yes | — | Review → |
| Secure Rate Pro 3 Heartland National | 3-yr | 5.80% | 3-yr | Yes | — | Review → |
| Secure Legacy 3 Year NV Upstream Life | 3-yr | 5.80% | 3-yr | Yes | — | Review → |
| Preserve MYGA 3 Clear Spring Life | 3-yr | 5.70% | 3-yr | Yes | — | Details → |
| Personal Choice Annuity 3 (CA) Sentinel Security Life Insurance Company | 3-yr | 5.70% | 3-yr | Yes | — | Review → |
| Personal Choice Annuity 3 MN Sentinel Security Life Insurance Company | 3-yr | 5.70% | 3-yr | — | — | Review → |
| Farmers Safeguard Plus 3 Farmers Life Insurance Company | 3-yr | 5.65% | 3-yr | Yes | — | Details → |
| Personal Choice Annuity 3 86-90 Sentinel Security Life Insurance Company | 3-yr | 5.65% | 3-yr | Yes | — | Review → |
| American Freedom Max Growth 3 American Century Life Insurance | 3-yr | 5.60% | 3-yr | Yes | — | Details → |
| American Spirt SPDA - 3 Interest Only American Century Life Insurance | 3-yr | 5.55% | 3-yr | Yes | — | Details → |
| DirectGrowth 3 Revol One Financial | 3-yr | 5.55% | 3-yr | Yes | — | Details → |
Rates are current as of 2026-07-28 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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