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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 146 products
| Product | Term | Rate | Surrender | MVA | Bonus | |
|---|---|---|---|---|---|---|
| Alpine Horizon 3 Mountain Life | 3-yr | 6.00% | 3-yr | Yes | — | Review → |
| DirectGrowth 3 Revol One Financial | 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 → |
| DirectGrowth 3 (CA) Revol One Financial | 3-yr | 5.90% | 3-yr | Yes | — | Review → |
| DirectGrowth 3 Enhanced Death Benefit Revol One Financial | 3-yr | 5.90% | 3-yr | Yes | — | Details → |
| DirectGrowth 3 Free Partial Surrender Revol One Financial | 3-yr | 5.90% | 3-yr | Yes | — | Details → |
| 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 → |
| Farmers Safeguard Plus 3 Farmers Life Insurance Company | 3-yr | 5.80% | 3-yr | Yes | — | Review → |
| Secure Rate Pro 3 Heartland National | 3-yr | 5.80% | 3-yr | Yes | — | Review → |
| DirectGrowth 3 Free Partial Surrender & Enhanced Death Benefit Revol One Financial | 3-yr | 5.80% | 3-yr | Yes | — | Details → |
| DirectGrowth 3 Free Partial Surrender (CA) Revol One Financial | 3-yr | 5.80% | 3-yr | Yes | — | Details → |
| 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% | — | Yes | — | Review → |
Rates are current as of 2026-09-12 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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