Week of April 13th 2026
Synergy MYGA Leaderboard
Monday, April 13, 2026
This Week's Spotlight Products
|
Best Overall Rate
Knighthead Life – Staysail 7
6.50% fixed for 7 years
|
|
Best With 10% Liquidity
Axonic – Waypoint 5 MYGA
5.65% with 10% free withdrawal
|
|
Best With 10% Liquidity + A– or Better
Oceanview – Harbourview 10
5.55% with 10% free withdrawal and A rating
|
2026 MYGA Leaderboard
| Term | Best Overall Rate | Best with 10% Liquidity | Best with 10% + A– or Better |
|---|---|---|---|
| 2 Year | CL Sundance 2 – 5.15% | None Available | Axonic Waypoint 2 – 5.00% |
| 3 Year | NexAnnuity Nex3 – 5.75% | None Available | Axonic Waypoint 3 – 5.40% |
| 4 Year | Oceanview Harbourview 4 – 5.20% | Oceanview Harbourview 4 – 5.20% | Oceanview Harbourview 4 – 5.20% |
| 5 Year | American Gulf Anchor 5 – 6.30% | Axonic Waypoint 5 – 5.65% | Axonic Waypoint 5 – 5.65% |
| 6 Year | American Gulf Anchor 6 – 6.30% | Oxford Multi-Select 6 – 5.55% | Oxford Multi-Select 6 – 5.55% |
| 7 Year | Knighthead Staysail 7 – 6.50% | Axonic Waypoint 7 – 5.50% | Axonic Waypoint 7 – 5.50% |
| 8 Year | Equitrust Certainty Select 8 – 5.20% | Oxford Multi-Select 8 – 5.20% | Oxford Multi-Select 8 – 5.20% |
| 9 Year | Liberty Bankers Heritage Elite 9 – 5.50% | Capitol Life Heritage Classic 9 – 5.25% | Capitol Life Heritage Classic 9 – 5.25% |
| 10 Year | Heartland Secure Rate 10 – 6.00% | Oceanview Harbourview 10 – 5.55% | Oceanview Harbourview 10 – 5.55% |
Quick Take
6%+ still exists, but mostly in longer-term or no-liquidity designs. Once you require 10% free withdrawal,
the sweet spot is mostly in the 5.20%–5.65% range. Axonic stays strong in the middle lane, while Oceanview remains a clean A-rated option with access.
Verify state availability, rate bands, carrier approvals, and product details before quoting. Rates and product features may change without notice.