---
title: Week of January 19th 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.
---

[MYGA Leaderboard](https://synergyannuity.com/myga-leaderboard)

# [Week of January 19th 2026](https://synergyannuity.com/myga-leaderboard/week-of-january-19th-2026)

 Written by [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) | Jan 20, 2026 6:13:02 PM

MYGA Leaderboard

Week of Monday, January 20, 2026

This Week's 3 Spotlight Products (Selling Points)

- **Sentinel Personal Choice 5 MVA (B++)** — **6.05% for 5 years** (top raw 5-year rate on the board).
- **Axonic Waypoint MYGA Series (A–)** — repeatedly wins the **10% liquidity** lane across multiple terms.
- **Knighthead Staysail 7 (A–)** — **6.50% simple interest** at 7 years (strong "set-it-and-forget-it" story).

 Leaderboard by Term (2–10 Years)

 Columns follow: Best Overall Rate • Best with 10% Liquidity • Best with 10% Liquidity + A– or Better

| TERM | BEST OVERALL RATE | BEST W/ 10% LIQUIDITY | BEST W/ 10% + A– OR BETTER |
| --- | --- | --- | --- |
| 2-Year | CL Sundance 2 MVA (B++) — **5.25%** | Axonic Waypoint 2 (A–) — **5.00%** (10% after Yr 1) | Axonic Waypoint 2 (A–) — **5.00%** |
| 3-Year | Sentinel Personal Choice 3 (B++) — **5.80%** | Axonic Waypoint 3 (A–) — **5.45%** (10% after Yr 1) | Axonic Waypoint 3 (A–) — **5.45%** |
| 4-Year | Nassau Simple Annuity 4 (B++) — **5.15%** | Oceanview Harbourview 4 (A) — **5.10%** (10% after Yr 1) | Oceanview Harbourview 4 (A) — **5.10%** |
| 5-Year | Sentinel Personal Choice 5 (B++) — **6.05%** | Axonic Waypoint 5 (A–) — **5.70%** (10% after Yr 1) | Axonic Waypoint 5 (A–) — **5.70%** |
| 6-Year | Atlantic Coast Safe Haven 6 (B++) — **5.87% GTD Yield** | Oxford Multi-Select 6 (A) — **5.40%** (10% after Yr 1) | Oxford Multi-Select 6 (A) — **5.40%** |
| 7-Year | Knighthead Staysail 7 (A–) — **6.50% (Simple Interest)** | Axonic Waypoint 7 (A–) — **5.50%** (10% after Yr 1) | Axonic Waypoint 7 (A–) — **5.50%** |
| 8-Year | EquiTrust Certainty Select 8 (B++) — **5.40%** | Clear Spring Preserve 8 (A–) — **5.25%** (10% after Yr 1) | Clear Spring Preserve 8 (A–) — **5.25%** |
| 9-Year | Clear Spring Preserve 9 (A–) — **5.25%** | Clear Spring Preserve 9 (A–) — **5.25%** (10% after Yr 1) | Clear Spring Preserve 9 (A–) — **5.25%** |
| 10-Year | Sentinel Personal Choice 10 (B++) — **6.05%** | Axonic Waypoint 10 (A–) — **5.50%** (10% after Yr 1) | Axonic Waypoint 10 (A–) — **5.50%** |

**Compliance note:** Verify state availability, rate bands, withdrawal provisions, and product details before quoting or submitting. Rates may change without notice.

 

[View full post](https://synergyannuity.com/myga-leaderboard/week-of-january-19th-2026)

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