Week of May 4th 2026

Written by Eric Estrada | May 5, 2026 4:05:51 PM

MYGA Leaderboard

Week of May 5, 2026

🔥 Hot Rates to Highlight This Week

Best Overall Rate: American Gulf Anchor 7 MYGA — 6.30% for 7 years
Best with Liquidity: Axonic Waypoint Series — up to 5.50% with 10% free withdrawal after year 1
Best with Liquidity & A– or Better: Oceanview Harbourview 10 — 5.65%, A rated, with 10% free withdrawal after year 1

📊 This Week's MYGA Leaderboard

Term	Best Overall Rate	Best w/ 10% Free Withdrawal	Best w/ 10% + A– or Better
2 Year	CL Sundance 2 — 5.15% B++	Axonic Waypoint 2 — 5.00%	Axonic Waypoint 2 — 5.00% A–
3 Year	NexAnnuity Nex3 — 5.75% B+	Axonic Waypoint 3 — 5.45%	Axonic Waypoint 3 — 5.45% A–
4 Year	Oceanview Harbourview 4 — 5.20% A	Oceanview Harbourview 4 — 5.20%	Oceanview Harbourview 4 — 5.20% A
6 Year	American Gulf Anchor 6 — 6.30% B++	Oxford Multi-Select 6 — 5.55%	Oxford Multi-Select 6 — 5.55% A
7 Year	American Gulf Anchor 7 — 6.30% B++	Axonic Waypoint 7 — 5.50%	Axonic Waypoint 7 — 5.50% A–
8 Year	Clear Spring Preserve 8 — 5.25% A–	Clear Spring Preserve 8 — 5.25%	Clear Spring Preserve 8 — 5.25% A–
9 Year	Liberty Bankers Heritage Elite 9 — 5.50% A–	Clear Spring Preserve 9 — 5.25%	Clear Spring Preserve 9 — 5.25% A–
10 Year	Heartland Secure Rate 10 — 5.90% B++	Oceanview Harbourview 10 — 5.65%	Oceanview Harbourview 10 — 5.65% A

Quick Advisor Takeaways

6%+ still lives — but mostly with B/B++ carriers.
Axonic continues to dominate the liquidity lane across short and mid-range terms.
Oceanview offers one of the cleanest blends of A rating, competitive rate, and 10% liquidity.
Oxford stands out in the 6-year slot for advisors needing A-rated liquidity.

Compliance Note: Rates and product features vary by state and may change without notice. Always verify carrier availability, rate bands, surrender schedules, free withdrawal provisions, commissions, and product details before quoting or recommending any annuity product.

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