--- title: Week of January 12th 2026 description: Discover the hottest fixed rates for MYGA this week, featuring impressive yields from Wichita National and competitive offerings from Upstream Life and Axonic. image: https://synergyannuity.com/hubfs/MYGA_Leaderboard_200x200.png --- [Skip to content](https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026#main-content) ![Synergy Logo-#](https://synergyannuity.com/hs-fs/hubfs/Synergy%20Logo-%23.png?width=150&height=101&name=Synergy%20Logo-%23.png) - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) Open main navigation Close main navigation - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) - [Contact us](https://synergyannuity.com/contact) [Contact us](https://synergyannuity.com/contact) Jan 13, 2026, 2:48:58 PM # Week of January 12th 2026 ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026) [envelope icon](mailto:?body=https://synergyannuity.com/myga-leaderboard/week-of-january-12th-2026) Synergy MYGA Leaderboard As of **Monday, January 12, 2026** 🔦 This Week's 3 Spotlight Standouts - **Highest Short-Term Yield (3-Year):** **Sentinel – Personal Choice Annuity 3** at **5.80%** Very high rate, low minimum ($2,500), but **no liquidity** and **B++** rated. - **Best All-Around 5-Year with Liquidity:** **Axonic – Waypoint 5 MYGA** at **5.70%** **10% free withdrawal**, **A–** rating, strong for CD-replacement style money. - **Eye-Popping Long-Term Rate (10-Year):** **Sentinel – Personal Choice Annuity 10** at **6.05%** Huge headline rate, but **no liquidity** and **B++** rated. 🏆 MYGA Leaderboard by Term | Term | Best Overall Rate | Best w/ 10% Liquidity | Best w/ 10% + A– or Better | | --- | --- | --- | --- | | 2-Year | CL Sundance 2 – **5.25%** (B++) | Axonic Waypoint 2 – **5.00%** (10% Yr 2+) | Axonic Waypoint 2 – **5.00%** (A–, 10% Yr 2+) | | 3-Year | Sentinel PC 3 – **5.80%** (B++) | Axonic Waypoint 3 – **5.45%** (10% Yr 2+) | Axonic Waypoint 3 – **5.45%** (A–, 10% Yr 2+) | | 4-Year | Nassau Simple 4 – **5.15%** (B++) | Oceanview Harbourview 4 – **5.10%** (10% Yr 2+) | Oceanview Harbourview 4 – **5.10%** (A, 10% Yr 2+) | | 5-Year | Sentinel PC 5 – **6.05%** (B++) | Axonic Waypoint 5 – **5.70%** (10% Yr 2+) | Axonic Waypoint 5 – **5.70%** (A–, 10% Yr 2+) | | 6-Year | Atlantic Coast Safe Haven 6 – **5.87% GTD Yield** (B++) | None available on this sheet | None available on this sheet | | 7-Year | Sentinel PC 7 – **6.05%** (B++) | Axonic Waypoint 7 – **5.50%** (10% Yr 2+) | Axonic Waypoint 7 – **5.50%** (A–, 10% Yr 2+) | | 8-Year | EquiTrust Certainty Select 8 – **5.40%** (B++) | Clear Spring Preserve 8 – **5.25%** (10% Yr 2+) | Clear Spring Preserve 8 – **5.25%** (A–, 10% Yr 2+) | | 9-Year | Clear Spring Preserve 9 – **5.25%** (A–) | Clear Spring Preserve 9 – **5.25%** (10% Yr 2+) | Clear Spring Preserve 9 – **5.25%** (A–, 10% Yr 2+) | | 10-Year | Sentinel PC 10 – **6.05%** (B++) | Axonic Waypoint 10 – **5.50%** (10% Yr 2+) | Axonic Waypoint 10 – **5.50%** (A–, 10% Yr 2+) | **Compliance Note:** Verify state availability, rate bands, surrender schedules, and product details before quoting or submitting business.   [MYGA](https://synergyannuity.com/myga-leaderboard/tag/myga) ## Related posts [![](https://synergyannuity.com/hs-fs/hubfs/MYGA_Leaderboard_200x200.png?height=200&name=MYGA_Leaderboard_200x200.png)](https://synergyannuity.com/myga-leaderboard/week-of-novemeber-17th-2025) [MYGA](https://synergyannuity.com/myga-leaderboard/tag/myga) ## [Week of Novemeber 17th, 2025](https://synergyannuity.com/myga-leaderboard/week-of-novemeber-17th-2025) ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) Nov 18, 2025, 1:12:42 PM Synergy MYGA Leaderboard Week of November 17, 2025 Rates as of 11/18/2025 – always verify state... 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[Read more](https://synergyannuity.com/myga-leaderboard/week-of-december-1st-2025) [![](https://synergyannuity.com/hs-fs/hubfs/MYGA_Leaderboard_200x200.png?height=200&name=MYGA_Leaderboard_200x200.png)](https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) [MYGA](https://synergyannuity.com/myga-leaderboard/tag/myga) ## [Week of May 18th 2026](https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) May 18, 2026, 8:26:03 PM MYGA Leaderboard — May 18, 2026 This week's MYGA landscape continues to show a major split between... 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