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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 211 products
| Product | Term | Rate | Surrender | MVA | Bonus | |
|---|---|---|---|---|---|---|
Alpine Horizon 3 Mountain Life | 3-yr | 6.00% | 3-yr | Yes | — | |
Personal Choice Annuity™ 3 Sentinel Security Life | 3-yr | 6.00% | 3-yr | Yes | — | |
Secure Legacy 3-Year Upstream Life Insurance Co. | 3-yr | 5.90% | 3-yr | Yes | — | |
Safe Harbor 3-Year Atlantic Coast | 3-yr | 5.80% | 3-yr | Yes | 1% | |
Secure Summit 3 Mountain Life | 3-yr | 5.75% | 3-yr | Yes | — | |
Nex3 Multi-Year Guaranteed Annuity Ohio State Life | 3-yr | 5.75% | 3-yr | — | — | |
American Life Fee-Based Fixed Deferred Annuity 3-Year American Life & Security Corporation | 3-yr | 5.65% | 3-yr | Yes | — | |
Safeguard Plus® Multi-Year Guaranteed Annuity 3 Farmers Life Insurance | 3-yr | 5.65% | 3-yr | Yes | — | |
Staysail 3-Year Merit Life Insurance Co. | 3-yr | 5.60% | 3-yr | Yes | — | |
CL Sundance 3-Year CL Life and Annuity Insurance Company | 3-yr | 5.50% | 3-yr | Yes | — | |
Waypoint MYGA 3 AmFirst Insurance | 3-yr | 5.45% | 3-yr | Yes | — | |
Safe Haven Bonus Guarantee 3-Year Atlantic Coast | 3-yr | 5.45% | 3-yr | Yes | 1% | |
Incline Advisory MYGA 3-Year AmFirst Insurance | 3-yr | 5.40% | 3-yr | Yes | — | |
Secure Rate Multi-Year Guarantee Annuity 3-Year Heartland National Life | 3-yr | 5.40% | 3-yr | Yes | — | |
MYGA PlusTM 3-Year Ibexis Life & Annuity | 3-yr | 5.40% | 3-yr | Yes | — |
Rates are current as of 2026-05-20 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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