---
title: Week of January 5th 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 5th 2026](https://synergyannuity.com/myga-leaderboard/week-of-january-5th-2026)

 Written by [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) | Jan 5, 2026 4:45:57 PM

Synergy MYGA Leaderboard

Week of Monday, January 5, 2026

🔥 This Week's Standout Products

- **Wichita National – Security 5 MVA (6.25%)**  
   Highest pure 5-year rate on the board. Great for rate-driven CD replacers who don't care about liquidity.
- **Atlantic Coast Life – Safe Haven 6 MVA (5.87% GTD Yield)**  
   Eye-catching headline rate with a still-solid guaranteed yield. Comp friendly and easy to explain.
- **Axonic Waypoint Series (3, 5, 7, 10-Year)**  
   Consistent **10% free withdrawal after year 1** + **A- rating**. A "comfort pick" for liquidity conversations.

📊 Leaderboard by Term

 Columns follow the strict logic: Best Overall Rate • First with 10% Free Withdrawal • First with 10% + A– or better.

| Term | Best Overall Rate | Best w/ 10% Liquidity | Best w/ 10% + A– or Better |
| --- | --- | --- | --- |
| 2-Year | CL Life – Sundance 2 MVA **5.25%** (B++) | Axonic – Waypoint 2 MYGA MVA (High Band) **5.00%** (10% after Yr 1) | Axonic – Waypoint 2 MYGA MVA (High Band) **5.00%** (A–) |
| 3-Year | Wichita National – Security 3 MVA **5.85%** (B+) | Axonic – Waypoint 3 MYGA MVA (High Band) **5.45%** (10% after Yr 1) | Axonic – Waypoint 3 MYGA MVA (High Band) **5.45%** (A–) |
| 4-Year | Nassau – Simple Annuity 4 MVA **5.15%** (B++) | Oceanview – Harbourview 4 MVA (Mid Band) **5.10%** (10% after Yr 1) | Oceanview – Harbourview 4 MVA (Mid Band) **5.10%** (A) |
| 5-Year | Wichita National – Security 5 MVA **6.25%** (B+) | Axonic – Waypoint 5 MYGA MVA (High Band) **5.70%** (10% after Yr 1) | Axonic – Waypoint 5 MYGA MVA (High Band) **5.70%** (A–) |
| 6-Year | Atlantic Coast Life – Safe Haven 6 MVA **5.87%** GTD Yield (B++) | Oxford – Multi-Select 6 MVA **5.40%** (10% after Yr 1) | Oxford – Multi-Select 6 MVA **5.40%** (A) |
| 7-Year | Wichita National – Security 7 MVA **6.10%** (B+) | Axonic – Waypoint 7 MYGA MVA (High Band) **5.50%** (10% after Yr 1) | Axonic – Waypoint 7 MYGA MVA (High Band) **5.50%** (A–) |
| 8-Year | Equitrust – Certainty Select 8 MVA **5.40%** (B++) | Clear Spring – Preserve MYGA 8 MVA (High Band) **5.25%** (10% after Yr 1) | Clear Spring – Preserve MYGA 8 MVA (High Band) **5.25%** (A–) |
| 9-Year | Capitol Life – Heritage Elite 9 MVA **5.30%** (A–) | Clear Spring – Preserve MYGA 9 MVA (High Band) **5.25%** (10% after Yr 1) | Clear Spring – Preserve MYGA 9 MVA (High Band) **5.25%** (A–) |
| 10-Year | Wichita National – Security 10 MVA **6.05%** (B+) | Axonic – Waypoint 10 MYGA MVA (High Band) **5.50%** (10% after Yr 1) | Axonic – Waypoint 10 MYGA MVA (High Band) **5.50%** (A–) |

**Compliance Note:** Verify state availability, rate bands, surrender schedules, and product details before quoting. Rates may change without notice. Not a solicitation in states where not approved.

 

[View full post](https://synergyannuity.com/myga-leaderboard/week-of-january-5th-2026)

```json
{
  "@context" : "http://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "Eric Estrada"
  },
  "dateModified" : "2026-01-05T16:45:57.718Z",
  "datePublished" : "2026-01-05T16:45:57Z",
  "headline" : "Week of January 5th 2026",
  "image" : {
    "@type" : "ImageObject",
    "height" : 200,
    "url" : "https://9208386.fs1.hubspotusercontent-na1.net/hubfs/9208386/MYGA_Leaderboard_200x200.png",
    "width" : 200
  },
  "mainEntityOfPage" : "https://synergyannuity.com/myga-leaderboard/week-of-january-5th-2026",
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "height" : 60,
      "url" : "/hs/hsstatic/content_shared_assets/static-1.4092/img/default-amp-logo.png",
      "width" : 60
    },
    "name" : "MYGA Leaderboard"
  }
}
```