Compare Fixed Annuity Rates

Multi-year guaranteed annuities (MYGAs) offer a guaranteed return for your retirement savings.

Earn up to 6.30%

Compare our best 5-year MYGA rate of 6.30% with the best 5-year CD rate of 4.50%.

That's a 1.80% higher return.

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Last updated Monday, May 27, 2024Info Icon

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What is a Fixed Annuity?

A fixed annuity is a retirement savings vehicle that provides tax-deferred accumulation at a guaranteed fixed rate for a predetermined period of time (typically 2 to 10 years). In other words, the interest earned in your fixed annuity is not taxed until withdrawn, and the rate of return is guaranteed over the course of the multi-year term selected. It is most similar to a Certificate of Deposit (CD), which is offered by a bank or other-FDIC insured institution, except that it is offered by an insurance company. The fixed annuity guarantee is backed by the financial strength of the insurance company, which is best understood through its financial rating.

Tip: You might hear this product referred to using a few different names:

  • Fixed annuity
  • Fixed deferred annuity (FDA)
  • Fixed rate annuity
  • Multi-year guaranteed annuity (MYGA)
  • Single premium deferred annuity (SPDA)
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