---
title: Week of Novemeber 3rd 2025
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 Novemeber 3rd 2025](https://synergyannuity.com/myga-leaderboard/week-of-novemeber-3rd-2025)

 Written by [Eric Estrada](https://synergyannuity.com/myga-leaderboard/author/eric-estrada) | Nov 6, 2025 7:49:47 PM

# MYGA Leaderboard — Monday, November 3, 2025

Quick reference: top fixed annuity rates by term, plus the best 10% liquidity picks (and A– or better).

### Hot Pick: Best Overall Rate

**Wichita National — Security 5**  
6.25% (5-yr) • B+ AM Best

Pure rate leader for CD-replacement conversations.

### Hot Pick: Best with 10% Liquidity

**Axonic — Waypoint 5 (High Band)**  
5.70% (5-yr) • 10% free withdrawal

Year-one flexibility without sacrificing headline rate.

### Hot Pick: 10% Liquidity & A– or Better

**Axonic — Waypoint 5 (High Band)**  
5.70% (5-yr) • A– AM Best • 10% free

Easy go-to when rating and liquidity both matter.

| Term | Best Overall Rate | Best with 10% Liquidity | Best with 10% + A– or Better |
| --- | --- | --- | --- |
| 2-Year | **CL Life — Sundance 2** 5.25% B++ • Interest-only withdrawals | **Axonic — Waypoint 2 (High Band)** 5.00% A– • 10% free | **Axonic — Waypoint 2 (High Band)** 5.00% A– • 10% free |
| 3-Year | **Wichita National — Security 3** 5.85% B+ • 0%/0% free | **Axonic — Waypoint 3 (High Band)** 5.45% A– • 10% free | **Axonic — Waypoint 3 (High Band)** 5.45% A– • 10% free |
| 4-Year | **Nassau — Simple Annuity 4** 5.15% B++ • 5%/5% free | **Clear Spring — Preserve 4 (High Band)** 5.15% A– • 10% free | **Clear Spring — Preserve 4 (High Band)** 5.15% A– • 10% free |
| 5-Year | **Wichita National — Security 5** 6.25% B+ • 0%/0% free | **Axonic — Waypoint 5 (High Band)** 5.70% A– • 10% free | **Axonic — Waypoint 5 (High Band)** 5.70% A– • 10% free |
| 6-Year | **Atlantic Coast — Safe Haven 6** 5.70% B++ • 0%/0% free | **Clear Spring — Preserve 6 (High Band)** 5.35% A– • 10% free | **Clear Spring — Preserve 6 (High Band)** 5.35% A– • 10% free |
| 7-Year | **Wichita National — Security 7** 6.10% B+ • 0%/0% free | **Axonic — Waypoint 7 (High Band)** 5.50% A– • 10% free | **Axonic — Waypoint 7 (High Band)** 5.50% A– • 10% free |
| 8-Year | **EquiTrust — Certainty Select 8** 5.40% B++ • Interest-only withdrawals | **Clear Spring — Preserve 8 (High Band)** 5.35% A– • 10% free | **Clear Spring — Preserve 8 (High Band)** 5.35% A– • 10% free |
| 10-Year | **Wichita National — Security 10** 6.05% B+ • 0%/0% free | **Axonic — Waypoint 10 (High Band)** 5.50% A– • 10% free | **Axonic — Waypoint 10 (High Band)** 5.50% A– • 10% free |

 Notes: "10% free" = penalty-free withdrawal allowance in policy year 2+ unless otherwise indicated. Ratings shown are AM Best. Availability, bands, and rates vary by state and change without notice.

 Compliance: Verify state approvals, rate bands, surrender schedules, and commissions with your MGA prior to quoting or writing business. Suitability and product details must be confirmed on current carrier materials.

 

[View full post](https://synergyannuity.com/myga-leaderboard/week-of-novemeber-3rd-2025)

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