MYGA, CD & HYSA Rate Tracker — Top Rates, Updated Monthly
Bottom line up front (as of July 2026): the top 5-year MYGA is paying about 6.30% (A- rated), versus roughly 4.20% on the best 5-year CD and up to ~5.00% on the highest high-yield savings accounts. Fixed-annuity yields remain near 15-year highs, but the very top rates come from lower-rated carriers — so the real decision is rate versus carrier strength and liquidity, not rate alone. This page tracks the leaders in all three categories and is refreshed every month.
Every number here is sourced from public rate aggregators and dated. Rates move constantly — treat this as a starting map, then confirm the live rate and the full contract before you move any money. Nothing on this page is a personalized recommendation.
Best MYGA (fixed annuity) rates by term — July 2026
A MYGA locks a fixed rate for the full term, grows tax-deferred, and is backed by the issuing carrier and your state guaranty association (typically ~$250,000–$300,000 per owner, per carrier — coverage varies by state). Top-of-market rates usually come from B++/B+ carriers; A-rated carriers pay a bit less for materially lower failure risk.
| Term | Top rate | Carrier | AM Best |
|---|---|---|---|
| 2-year | 5.15% | CL Life | B++ |
| 3-year | 5.65% | Farmers Life | B++ |
| 4-year | 5.30% | Clear Spring Life | A- |
| 5-year | 6.30% | Knighthead Life | A- |
| 6-year | 6.00% | American Gulf | B++ |
| 7-year | 6.50% | Knighthead Life | A- |
| 8-year | 5.40% | EquiTrust Life | B++ |
| 9-year | 5.45% | Royal Neighbors of America | A |
| 10-year | 6.05% | Farmers Life | B++ |
Best A-rated 5-year: Knighthead Life Staysail 5 at 6.30% (A-, simple-interest crediting — effective yield differs from compounding products). Most A/A+ carriers sit in the ~5.0%–5.7% range. See the full breakdown in the best MYGA rates guide and the best 5-year MYGA comparison. Source: AnnuityRateWatch data, July 2026.
Best high-yield savings (HYSA) rates — July 2026
HYSA rates are variable (they move with the Fed), fully liquid, and FDIC-insured to $250,000 per depositor, per bank, per ownership category. The national average savings rate is about 0.38% — the accounts below pay roughly 10× that. Rates have been trending gently down in 2026.
| Bank | APY | Notes |
|---|---|---|
| Varo | up to 5.00% | Top tier requires qualifying activity |
| Axos Bank | up to 4.21% | Tiered / qualifying rate |
| Newtek Bank | 4.20% | No minimum; paused new apps mid-2026 |
| Bask Bank | 4.10% | Intro boost for new customers |
| SoFi | 3.10% | Higher with direct deposit |
Deciding between liquid savings and a locked annuity? See MYGA vs HYSA and FDIC vs NCUA safety. Sources: Bankrate, NerdWallet, Fortune, July 2026.
Best CD rates — July 2026
A CD locks a fixed rate for the term and is FDIC/NCUA-insured to $250,000. Top nationally available CD rates currently run about 3.5%–4.3% APY, with select credit unions and specialty issuers higher.
| Term | Top rate | Issuer |
|---|---|---|
| 1-year | 4.15% | Popular Direct (credit unions to ~5.00%) |
| 3-year | ~3.60% | Alliant Credit Union |
| 5-year | 4.20% | TAB Bank |
Weighing a CD against a fixed annuity? The gap is wide right now — see MYGA vs CD. Sources: Bankrate, DepositAccounts, NerdWallet, July 2026.
How to read this tracker
- Highest rate ≠ best deal. The top MYGA rate almost always comes from a B++/B+ carrier with a longer surrender schedule. An A/A+ carrier at 0.3%–0.5% less is often the smarter buy for money you can't afford to put at risk.
- Fixed vs variable. MYGA and CD rates are locked for the term; HYSA rates float and can drop next month.
- Liquidity. HYSA = fully liquid. CDs and MYGAs carry early-withdrawal penalties / surrender charges; MYGAs usually allow ~10%/year penalty-free.
- Taxes. HYSA and CD interest is taxed as ordinary income every year; MYGA growth is tax-deferred until withdrawal (10% IRS penalty before 59½).
Embed this rate table on your site (free)
Writers, advisors, and finance bloggers are welcome to reuse this data. Please keep the attribution link so readers can reach the live, updated version. Paste this snippet:
<p>Top 5-year fixed annuity (MYGA) rate: <strong>6.30%</strong> ·
Best HYSA: up to 5.00% APY · Best 5-year CD: 4.20% (as of July 2026).<br>
Source: <a href="https://hansgoldstein.com/annuity-reviews/live-rate-tracker/">
Hans Goldstein MYGA, CD & HYSA Rate Tracker</a></p>Prefer a custom, always-current rate table or a state-specific pull for your audience? Email hans@goldsteinco.net and I'll send one over.
Methodology & sources
Rates are compiled monthly from public aggregators: fixed-annuity/MYGA figures from AnnuityRateWatch (as surfaced by MyAnnuityStore and comparable services); CD and high-yield savings figures from Bankrate, NerdWallet, DepositAccounts, and major financial-news rate roundups. Figures reflect the top nationally available rates on the date stated and are not guarantees of what any individual will be offered. Carrier ratings are AM Best as published. This tracker is independent and carrier-agnostic — no carrier pays for placement here.
Bottom line
As of July 2026, fixed rates still favor MYGAs for money you can lock up: ~6.3% at the top of the 5-year market versus ~4.2% on CDs, with HYSAs competitive only if you need full liquidity. But chase the rating, not just the rate — and confirm the live number before you sign. Want an independent second opinion on a specific quote? Reach Hans below.
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Disclosure
This review reflects publicly available product materials and approximate rates as of the date stated above. Annuity rates, caps, participation rates, payout factors, crediting methods, and long-term care benefit structures change frequently — typically monthly. Always confirm current values against the most recent carrier disclosure document and the actual contract before purchasing. This article is general information for educational purposes; it is not a personalized recommendation, solicitation, or offer of any specific product. Hans Goldstein is an independent licensed insurance producer (NPN 20602398) appointed with multiple A-rated carriers across the annuity and long-term care insurance market; the producer's specific appointment status with the carrier discussed in this review may vary, and this review is not an endorsement or representation of carrier appointment. No compensation has been received from any carrier in connection with the publication of this review. Always read the actual contract and consult a licensed advisor before purchasing any annuity or long-term care insurance product. Past index performance does not predict future credited interest. Annuities and hybrid life+LTC policies are long-term contracts with surrender charges; they are not suitable for funds you may need before the end of the surrender period. AM Best ratings and tax treatment are subject to change. Tax discussion of IRC §7702B, §1035, and the Pension Protection Act of 2006 reflects law as of 2026 and is subject to change.