MYGA, CD & HYSA Rate Tracker, Rates Checked September 25, 2026
Bottom line up front (checked September 24-25, 2026): insurers rated A or better were paying about 5.50%-6.05% on 5-year MYGAs (public carrier rate sheets), and Athene MaxRate paid 5.85% on its 5-year at $100,000+ (rate cards effective September 25, 2026), versus 4.35%-4.50% APY on the best nationally available 5-year CDs (DepositAccounts) and 3.00%-4.00% on leading high-yield savings accounts (bank sites). The Fed raised its target range to 3.75%-4.00% on September 16, 2026. The real decision is rate versus carrier strength and liquidity, not rate alone.
| Category | Top rate | Source, as of |
|---|---|---|
| A-rated 5-year MYGA | 5.50%-6.05% | public carrier rate sheets, 10/14/2026 |
| Athene MaxRate 5-year ($100K+) | 5.85% | Athene rate cards, eff. 9/25/2026 |
| Best 5-year CD | 4.50% APY | DepositAccounts, 9/25/2026 |
| Best 1-year CD | 4.50% APY | DepositAccounts, 9/25/2026 |
| Leading high-yield savings | 3.00%-4.00% APY | bank sites, 9/8-9/24/2026 |
This tracker is not refreshed on a fixed schedule; every figure below carries the date it was checked.
Every number here is dated and sourced to the carrier, bank or data provider. 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.
CD vs MYGA, after tax
What $100,000 earns in 5 years: CD vs MYGA, after tax
Rates used: CD 5.00%, the top nationally available 5-year CD (Bankrate, October 14, 2026); change it to the rate you are offered. MYGA 5.95%, the best A-rated rate we track as of October 13, 2026: Delaware Life Pinnacle Plus 5-year (AM Best A-, negative outlook, 7/31/2026), $100,000 and up, effective October 6, 2026 (Delaware Life rate sheet).
| CD, interest taxed every year | $121,081 |
|---|---|
| MYGA, tax-deferred, before tax | $133,507 |
| MYGA after paying tax on all the interest at withdrawal | $126,136 |
| Tax deferral alone adds about | $674 |
| MYGA ahead of the CD, after tax | $5,055 |
Assumes 22% federal and 0% state income tax, no withdrawals, rates held for the whole term. MYGA interest is taxed as ordinary income when you withdraw it, not as capital gains. Gains taken before age 59 1/2 can owe a 10% IRS penalty, and cashing out early can cost a surrender charge. In an IRA both grow tax-deferred, so the edge there is the rate alone. Bank and credit union deposits are FDIC or NCUA insured up to the limits; a MYGA is backed by the issuing insurer's claims-paying ability and your state's guaranty association up to its limits, not the FDIC. General education, not tax, legal or financial advice.
MYGA (fixed annuity) rates we verified, September 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.
| Contract | 3-year | 5-year | 7-year | Source, effective |
|---|---|---|---|---|
| Athene MaxRate (A+), $100,000+, most states | 5.65% | 5.85% | 5.95% | Athene rate cards, 9/25/2026 |
| Athene MaxRate, $100,000+, CA and 18 other states | 5.65% | 5.80% | 5.90% | Athene rate cards, 9/25/2026 |
| MassMutual Stable Voyage (A++), $100,000+ | 5.40% | 5.50% | n/a (4-yr 5.45%) | MassMutual rate sheet, 9/28/2026 |
| A-rated-or-better market range | n/a | 5.50%-6.05% | n/a | public carrier rate sheets, 10/14/2026 |
Under $100,000 both carriers pay about 0.25% less. Rates vary by state, premium and issue age. See the full breakdown in the best MYGA rates guide and the best 5-year MYGA comparison.
Rates expire like milk.
The best MYGA, CD and savings rates change every few weeks. Get a short email when a rate on this page changes.
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High-yield savings (HYSA) rates, September 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 FDIC national average savings rate was 0.37% (September 21, 2026); the accounts below pay roughly 8-10× that.
| Bank | APY | As of (bank’s own site) |
|---|---|---|
| Live Oak Bank Personal Savings | 4.00% | 9/8/2026 |
| Sallie Mae High-Yield Savings | 3.85% | 9/24/2026 |
| Marcus by Goldman Sachs | 3.50% | 9/24/2026 |
| Synchrony High Yield Savings | 3.30% | 9/24/2026 |
| SoFi (with direct deposit or $5,000+ deposits; 0.80% otherwise) | 3.30% | 9/23/2026 |
| Capital One 360 Performance Savings | 3.10% | 9/24/2026 |
| Ally Online Savings | 3.00% | 9/24/2026 |
Deciding between liquid savings and a locked annuity? See MYGA vs HYSA and FDIC vs NCUA safety. Sources: each bank’s own rate page; FDIC National Rates.
Top CD rates, September 25, 2026
A CD locks a fixed rate for the term and is FDIC/NCUA-insured to $250,000. The best nationally available CDs paid about 4.40%-4.55% APY across 6-month to 5-year terms.
| Term | Top APY | Bank (minimum) |
|---|---|---|
| 1-year | 4.50% | HAB Bank ($1,500) |
| 2-year | 4.45% | Merrick Bank ($25,000); Popular Direct ($10,000) |
| 3-year | 4.55% | North American Savings Bank ($1,000) |
| 5-year | 4.50% | Bread Savings ($1,500); Popular Direct ($10,000) |
Weighing a CD against a fixed annuity? The gap is wide right now, see MYGA vs CD. Source: DepositAccounts CD tables, updated 09/25/2026.
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)
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<p>A-rated 5-year fixed annuity (MYGA) rates: <strong>5.50%-6.05%</strong> ·
Top HYSA: up to 4.00% APY · Top 5-year CD: 4.50% APY (checked September 25, 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 rate table or a state-specific pull for your audience? Email hans@hansgoldstein.com and I'll send one over.
Methodology & sources
MYGA rates come from the carriers’ own rate sheets (Athene, MassMutual) with the effective date each prints, and the A-rated market range from public carrier rate sheets. CD rates come from DepositAccounts’ national CD tables; savings rates from each bank’s own rate page with the date it states. Figures are the rates on the dates shown, 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.
My take
As of September 25, 2026, fixed rates still favor MYGAs for money you can lock up: about 5.50%-6.05% from A-rated carriers on 5-year terms versus 4.35%-4.50% on the best 5-year CDs, with HYSAs (3.00%-4.00%) competitive only if you need full liquidity. But chase the rating, not just the rate, and confirm the number on the day you sign. Want an independent second opinion on a specific quote? Reach Hans below.
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Disclosure
This review is based on the carrier's public product materials and rates as of the date shown above. Annuity rates, caps, participation rates, payout factors, crediting methods, and long-term care benefit structures change often, sometimes monthly. Confirm current figures in the latest carrier disclosure and the contract before you buy. This is general education, not a personal recommendation or an offer of any product. Hans Goldstein is an independent licensed insurance producer (CA license 4273294, NPN 20602398) appointed with several A-rated carriers. His appointment with the carrier reviewed here may vary, and this review is not an endorsement. No carrier paid for 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.