Week of May 11th 2026
Synergy MYGA Leaderboard
Week of May 11, 2026
🔥 This Week's Hot Rates
Best Overall Rate
American Gulf Anchor MYGA 7
6.30% for 7 Years
Best Liquidity Play
Axonic Waypoint 5
5.70% with 10% Free Withdrawal
Best A– Rated + Liquidity
Oceanview Harbourview 10
5.65% with 10% Free Withdrawal
MYGA Leaderboard by Term
| Term | Best Overall Rate | Best w/ 10% Liquidity | Best w/ 10% + A– or Better |
|---|---|---|---|
| 2 Year | CL Sundance 2 5.15% |
Axonic Waypoint 2 5.00% |
Axonic Waypoint 2 5.00% |
| 3 Year | Axonic Waypoint 3 5.45% |
Axonic Waypoint 3 5.45% |
Axonic Waypoint 3 5.45% |
| 4 Year | Oceanview Harbourview 4 5.20% |
Oceanview Harbourview 4 5.20% |
Oceanview Harbourview 4 5.20% |
| 5 Year | American Gulf Anchor 5 6.30% |
Axonic Waypoint 5 5.70% |
Axonic Waypoint 5 5.70% |
| 6 Year | American Gulf Anchor 6 6.30% |
Oxford Multi-Select 6 5.55% |
Oxford Multi-Select 6 5.55% |
| 7 Year | American Gulf Anchor 7 6.30% |
Axonic Waypoint 7 5.50% |
Axonic Waypoint 7 5.50% |
| 8 Year | Clear Spring Preserve 8 5.25% |
Clear Spring Preserve 8 5.25% |
Clear Spring Preserve 8 5.25% |
| 9 Year | Liberty Bankers Heritage Elite 9 5.50% |
Liberty Bankers Heritage Classic 9 5.25% |
Liberty Bankers Heritage Classic 9 5.25% |
| 10 Year | Heartland Secure Rate 10 5.90% |
Oceanview Harbourview 10 5.65% |
Oceanview Harbourview 10 5.65% |
Quick Advisor Takeaways
- Axonic continues to be a strong liquidity story with competitive 3, 5, and 7-year options.
- American Gulf is still the raw rate leader when the client is focused on maximum guaranteed interest.
- Oceanview gives advisors a strong A-rated longer-term option with 10% liquidity.
- Liquidity matters: the highest headline rate is not always the best fit for clients who want access.
Compliance Reminder: Rates are subject to change and may vary by state, premium band, and availability. Verify carrier approvals, surrender schedules, liquidity provisions, and current compensation before quoting or soliciting business.