🔹 Synergy MYGA Leaderboard – October 20, 2025 Term Best Overall Rate Best with 10% Liquidity Best...
Week of July 20th 2026
This Week's MYGA Rate Leaderboard
Rates effective as of July 20, 2026 · Guaranteed yield for the full rate-guarantee period
| Term | Best Overall | Best w/ 10% Free Withdrawals | Best w/ 10% Free Withdrawals, Rated A− or Better |
|---|---|---|---|
| 2 Years | 5.15% CL Life · CL Sundance 2 B++ · $20,000 min |
5.00% Axonic · Waypoint 2 MYGA A− · $100,000 min |
5.00% Axonic · Waypoint 2 MYGA A− · $100,000 min |
| 3 Years | 5.80% Heartland National · Secure Rate Pro 3 B++ · $5,000 min |
5.50% Axonic · Waypoint 3 MYGA A− · $100,000 min |
5.50% Axonic · Waypoint 3 MYGA A− · $100,000 min |
| 4 Years | 5.45% Oceanview · Harbourview 4 A · $70,000 min |
5.45% Oceanview · Harbourview 4 A · $70,000 min |
5.45% Oceanview · Harbourview 4 A · $70,000 min |
| 5 Years | 6.10% Heartland National · Secure Rate Pro 5 B++ · $5,000 min |
5.80% Axonic · Waypoint 5 MYGA A− · $100,000 min |
5.80% Axonic · Waypoint 5 MYGA A− · $100,000 min |
| 6 Years | 6.00% American Gulf · Anchor MYGA 6 B++ · $10,000 min |
5.70% Oxford Life · Multi-Select 6 A · $20,000 min |
5.70% Oxford Life · Multi-Select 6 A · $20,000 min |
| 7 Years | 6.10% Heartland National · Secure Rate Pro 7 B++ · $5,000 min |
5.60% Sagicor · Milestone Max MYGA 7 A · $75,000 min |
5.60% Sagicor · Milestone Max MYGA 7 A · $75,000 min |
| 8 Years | 5.50% EquiTrust · Certainty Select 8 B++ · $10,000 min |
5.35% Oxford Life · Multi-Select 8 A · $20,000 min |
5.35% Oxford Life · Multi-Select 8 A · $20,000 min |
| 9 Years | 5.45% Royal Neighbors · MYGA 9 Year A · $100,000 min |
5.30% American National · Palladium MYG Annuity 9 A · $250,000 min · 10% free from year 1 |
5.30% American National · Palladium MYG Annuity 9 A · $250,000 min · 10% free from year 1 |
| 10 Years | 6.15% Heartland National · Secure Rate Pro 10 B++ · $5,000 min |
5.80% Oceanview · Harbourview 10 A · $70,000 min |
5.80% Oceanview · Harbourview 10 A · $70,000 min |
Rates shown are the guaranteed annual yield if held to the end of the surrender-charge period and reflect compound interest unless otherwise noted. Rankings exclude first-year bonus or teaser rates that are not guaranteed for the full term. "10% Free Withdrawals" indicates products allowing penalty-free withdrawals of up to 10% annually, generally beginning in year 2 unless noted. Ratings shown are AM Best financial strength ratings. Rates are subject to change without notice and may vary by state and premium amount. Guarantees are backed by the claims-paying ability of the issuing insurer. This is not a solicitation or a recommendation of any specific product; suitability must be determined individually with a licensed insurance professional.