Synergy MYGA Leaderboard Week of November 17, 2025 Rates as of 11/18/2025 – always verify state...
Week of August 17th 2026
Synergy MYGA Leaderboard
Top Fixed Annuity Rates for the Week of August 17, 2026
We review the MYGA market each week to identify the strongest options across three categories: highest overall rate, best rate with 10% liquidity, and best rate combining 10% liquidity with an A– or better AM Best rating.
This Week's MYGA Spotlight
|
Best Overall Rate
7.20%
Knighthead Life
Staysail 7
A– rated • $100,000 minimum
Simple interest. Reported guaranteed yield: 6.00%.
|
Best With 10% Liquidity
5.95%
Knighthead Life
Staysail 3 With Liquidity
10% Yr. 1 / 10% Yr. 2+ • A– rated
Simple interest. Reported guaranteed yield: 5.63%.
|
Best 10% Liquidity + A– or Better
5.95%
Knighthead Life
Staysail 3 With Liquidity
A– rated • 10% annual liquidity
This product currently leads both liquidity categories.
|
Weekly MYGA Leaderboard
| Term | Best Overall Rate | Best With 10% Liquidity | Best With 10% + A– or Better |
|---|---|---|---|
| 2 Year |
CL Life CL Sundance 2 5.15% B++ • Interest withdrawal |
GBU Life Asset Guard Select 2 5.05% 10% / 10% • A– |
GBU Life Asset Guard Select 2 5.05% 10% / 10% • A– |
| 3 Year |
Knighthead Life Staysail 3 6.10% Simple interest • 5.76% GTD yield • A– |
Knighthead Life Staysail 3 With Liquidity 5.95% 10% / 10% • Simple interest • A– |
Knighthead Life Staysail 3 With Liquidity 5.95% 10% / 10% • A– |
| 4 Year |
Oceanview Life & Annuity Harbourview 4 5.60% A rated |
Oceanview Life & Annuity Harbourview 4 5.60% 0% Yr. 1 / 10% Yr. 2+ • A |
Oceanview Life & Annuity Harbourview 4 5.60% 0% Yr. 1 / 10% Yr. 2+ • A |
| 5 Year |
Knighthead Life Staysail 5 6.80% Simple interest • 6.03% GTD yield • A– |
Axonic Insurance Waypoint 5 MYGA 5.80% 0% Yr. 1 / 10% Yr. 2+ • A– |
Axonic Insurance Waypoint 5 MYGA 5.80% 0% Yr. 1 / 10% Yr. 2+ • A– |
| 6 Year |
American Gulf Anchor MYGA 6 6.00% B++ • No scheduled free withdrawal |
Oxford Life Multi-Select 6 5.85% Interest Yr. 1 / 10% Yr. 2+ • A |
Oxford Life Multi-Select 6 5.85% Interest Yr. 1 / 10% Yr. 2+ • A |
| 7 Year |
Knighthead Life Staysail 7 7.20% Simple interest • 6.00% GTD yield • A– |
Oxford Life Multi-Select 7 5.65% Interest Yr. 1 / 10% Yr. 2+ • A |
Oxford Life Multi-Select 7 5.65% Interest Yr. 1 / 10% Yr. 2+ • A |
| 8 Year |
EquiTrust Life Certainty Select 8 5.50% B++ • Interest withdrawal |
Pacific Guardian Life Diamond Head 8 5.40% 10% / 10% • A |
Pacific Guardian Life Diamond Head 8 5.40% 10% / 10% • A |
| 9 Year |
Royal Neighbors of America MYGA 9 Year CA 5.45% A rated • Report shows 5.60% effective 8/19/26 |
Pacific Guardian Life Diamond Head 9 5.40% 10% / 10% • A |
Pacific Guardian Life Diamond Head 9 5.40% 10% / 10% • A |
| 10 Year |
Revol One Financial DirectGrowth 10 6.25% B++ • 0% / 0% |
Oceanview Life & Annuity Harbourview 10 5.80% 0% Yr. 1 / 10% Yr. 2+ • A |
Oceanview Life & Annuity Harbourview 10 5.80% 0% Yr. 1 / 10% Yr. 2+ • A |
What Stands Out This Week?
Knighthead continues to dominate the headline-rate conversation, with displayed rates of 6.10% for 3 years, 6.80% for 5 years, and 7.20% for 7 years. These Staysail rates use simple interest, so advisors should pay attention to the guaranteed yield when comparing them against annually compounded MYGAs.
For clients who place a higher priority on access to their money, several A– or better carriers remain competitive, including GBU Life, Knighthead Life, Oceanview, Axonic Insurance, Oxford Life, and Pacific Guardian Life.
Rates and product features are subject to change. Verify state availability, premium bands, withdrawal provisions, carrier ratings, surrender schedules, and current product details before quoting. This material is intended for insurance professional use and is not a recommendation of any specific product.