--- title: Week of May 18th 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-may-18th-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) May 18, 2026, 8:26:03 PM # 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) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) [envelope icon](mailto:?body=https://synergyannuity.com/myga-leaderboard/week-of-may-18th-2026) # MYGA Leaderboard — May 18, 2026 This week's MYGA landscape continues to show a major split between pure top-sheet rate plays and advisor-friendly products that combine strong rates, liquidity, and ratings. **The biggest story this week?** Axonic Insurance continues to dominate the A– rated liquidity lane in the core 3–7 year market, while Mountain Life is still posting eye-catching top-sheet rates for advisors comfortable with lower-rated carriers. ## 🔥 This Week's Spotlight Products - **Best Overall Rate:** Mountain Life Alpine Horizon 5 — **6.35% for 5 Years** - **Best A– Rated with Liquidity:** Axonic Waypoint 5 — **5.70% with 10% Free Withdrawal** - **Best Long-Term Liquidity Play:** Oceanview Harbourview 10 — **5.65% for 10 Years with 10% Liquidity** ## MYGA Leaderboard Grid | Term | Best Overall Rate | Best with 10% Liquidity | Best with 10% + A– or Better | | --- | --- | --- | --- | | 2 Year | Upstream Secure Legacy 2 — 5.30% | Axonic Waypoint 2 — 5.00% | Axonic Waypoint 2 — 5.00% | | 3 Year | Mountain Alpine Horizon 3 — 6.00% | Axonic Waypoint 3 — 5.45% | Axonic Waypoint 3 — 5.45% | | 4 Year | Mountain Alpine Horizon 4 — 6.05% | Oceanview Harbourview 4 — 5.20% | Oceanview Harbourview 4 — 5.20% | | 5 Year | Mountain Alpine Horizon 5 — 6.35% | 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 | Knighthead Staysail 7 — 6.50% | Axonic Waypoint 7 — 5.50% | Axonic Waypoint 7 — 5.50% | | 8 Year | Mountain Secure Summit 8 — 6.00% | Clear Spring Preserve 8 — 5.25% | Clear Spring Preserve 8 — 5.25% | | 9 Year | Capitol Heritage Elite 9 — 5.50% | Capitol Heritage Classic 9 — 5.25% | Capitol Heritage Classic 9 — 5.25% | | 10 Year | Sentinel Personal Choice 10 — 6.25% | Oceanview Harbourview 10 — 5.65% | Oceanview Harbourview 10 — 5.65% | ## Quick Advisor Takeaways ### 1. Liquidity Still Matters A surprising number of top-sheet products still offer 0% free withdrawal provisions. That creates opportunity for advisors positioning MYGAs against CDs, money markets, and bond alternatives where clients still want access and flexibility. ### 2. Axonic Owns the Core Market The 5-year lane remains one of the most competitive spaces in the MYGA market, but Axonic's combination of an A– rating, 10% liquidity, age 89 issue age, and strong advisor compensation keeps it highly competitive. ### 3. Fixed Rates Are Still the Benchmark If an indexed annuity cannot reasonably compete with today's fixed rates, it becomes much harder to justify the added complexity. Current MYGA rates continue to set a strong benchmark for protected accumulation conversations. **Compliance Note:** Verify state availability, rate bands, surrender schedules, MVA provisions, and carrier details before quoting. Rates and product availability may change without notice.   [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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