MYGALast updated: 2026-10-22Author: Hans Goldstein, EA, NPN 20602398Admitted to practice before the IRS

MYGA Rate Index: Weekly Top MYGA Rates vs CDs and Treasuries

Name: MYGA Rate Index: weekly top MYGA, CD and Treasury rates (2026)
Creator: Hans Goldstein
Published: 2026-10-22

As of October 22, 2026, the highest 5-year MYGA rate on the A-rated public rate sheets we track is 6.05% (Athene MaxRate, sheet effective October 14, 2026), against 4.89% on the 5-year Treasury (October 16, 2026) and 4.70% to 5.00% APY on the best nationally available 5-year CDs.

That puts the best 5-year MYGA sheet +1.16 percentage points over the 5-year Treasury this week. The index below records the same three comparisons every week, with the source and date of each number. Weeks where no dated source exists are shown as gaps, never filled in.

This week’s rates (October 22, 2026)

Term	Highest MYGA rate	Issuer and sheet date	Treasury par yield	MYGA minus Treasury
3-year	5.75%	Athene MaxRate, effective October 14, 2026	4.82%	+0.93 pts
5-year	6.05%	Athene MaxRate, effective October 14, 2026	4.89%	+1.16 pts
7-year	6.15%	Athene MaxRate, effective October 14, 2026	4.98%	+1.17 pts
5-year CD	4.70% to 5.00% APY, best nationally available, as of October 18, 2026		MYGA minus top CD: +1.05 pts

MYGA = highest published rate among tracked insurers rated A- or better, $100,000+ band, Athene “most states” band. Rates vary by state, premium and carrier; this is not a quote.

Weekly chart, 2026

Treasury is drawn for every week. MYGA and CD points appear from the first week with a dated, verifiable source; earlier weeks are gaps.

The weekly series

One row per week, ending Friday. Treasury figures are the official daily par yield curve for that Friday (or the last business day before it). MYGA figures are the sheets in effect that Friday. CD figures are the most recent dated reading within 21 days.

Week ending	3-yr MYGA	5-yr MYGA	7-yr MYGA	5-yr CD, top range	3-yr UST	5-yr UST	7-yr UST	5-yr MYGA minus 5-yr UST
October 16, 2026	5.75%	6.05%	6.15%	4.70% to 5.00% as of 10/14	4.82%	4.89%	4.98%	+1.16 pts
October 9, 2026	5.65%	5.95%	5.95%	4.35% to 4.50% as of 9/24	4.89%	5.02%	5.13%	+0.93 pts
October 2, 2026	gap	gap	gap	4.35% to 4.50% as of 9/24	4.96%	5.06%	5.17%	gap
September 25, 2026	gap	gap	gap	4.35% to 4.50% as of 9/24	4.94%	4.98%	5.06%	gap
September 18, 2026	gap	gap	gap	gap	4.83%	4.86%	4.93%	gap

Earlier weeks, 37 rows (Treasury only: MYGA and CD sources not recorded)

Week ending	3-yr MYGA	5-yr MYGA	7-yr MYGA	5-yr CD, top range	3-yr UST	5-yr UST	7-yr UST	5-yr MYGA minus 5-yr UST
September 11, 2026	gap	gap	gap	gap	4.69%	4.78%	4.87%	gap
September 4, 2026	gap	gap	gap	gap	4.45%	4.54%	4.65%	gap
August 28, 2026	gap	gap	gap	gap	4.41%	4.48%	4.59%	gap
August 21, 2026	gap	gap	gap	gap	4.31%	4.43%	4.57%	gap
August 14, 2026	gap	gap	gap	gap	4.24%	4.36%	4.51%	gap
August 7, 2026	gap	gap	gap	gap	4.25%	4.35%	4.49%	gap
July 31, 2026	gap	gap	gap	gap	4.34%	4.45%	4.59%	gap
July 24, 2026	gap	gap	gap	gap	4.36%	4.43%	4.55%	gap
July 17, 2026	gap	gap	gap	gap	4.21%	4.28%	4.40%	gap
July 10, 2026	gap	gap	gap	gap	4.22%	4.30%	4.42%	gap
July 3, 2026	gap	gap	gap	gap	4.16%	4.23%	4.35%	gap
June 26, 2026	gap	gap	gap	gap	4.09%	4.12%	4.23%	gap
June 19, 2026	gap	gap	gap	gap	4.19%	4.23%	4.34%	gap
June 12, 2026	gap	gap	gap	gap	4.12%	4.21%	4.34%	gap
June 5, 2026	gap	gap	gap	gap	4.22%	4.29%	4.41%	gap
May 29, 2026	gap	gap	gap	gap	4.06%	4.13%	4.27%	gap
May 22, 2026	gap	gap	gap	gap	4.18%	4.27%	4.41%	gap
May 15, 2026	gap	gap	gap	gap	4.14%	4.26%	4.43%	gap
May 8, 2026	gap	gap	gap	gap	3.92%	4.02%	4.19%	gap
May 1, 2026	gap	gap	gap	gap	3.91%	4.02%	4.20%	gap
April 24, 2026	gap	gap	gap	gap	3.80%	3.92%	4.10%	gap
April 17, 2026	gap	gap	gap	gap	3.72%	3.84%	4.04%	gap
April 10, 2026	gap	gap	gap	gap	3.80%	3.94%	4.12%	gap
April 3, 2026	gap	gap	gap	gap	3.88%	3.99%	4.17%	gap
March 27, 2026	gap	gap	gap	gap	3.94%	4.06%	4.25%	gap
March 20, 2026	gap	gap	gap	gap	3.90%	4.01%	4.20%	gap
March 13, 2026	gap	gap	gap	gap	3.74%	3.87%	4.07%	gap
March 6, 2026	gap	gap	gap	gap	3.59%	3.72%	3.93%	gap
February 27, 2026	gap	gap	gap	gap	3.39%	3.51%	3.72%	gap
February 20, 2026	gap	gap	gap	gap	3.50%	3.65%	3.85%	gap
February 13, 2026	gap	gap	gap	gap	3.43%	3.61%	3.81%	gap
February 6, 2026	gap	gap	gap	gap	3.57%	3.76%	3.98%	gap
January 30, 2026	gap	gap	gap	gap	3.60%	3.79%	4.01%	gap
January 23, 2026	gap	gap	gap	gap	3.67%	3.84%	4.03%	gap
January 16, 2026	gap	gap	gap	gap	3.67%	3.82%	4.02%	gap
January 9, 2026	gap	gap	gap	gap	3.59%	3.75%	3.95%	gap
January 2, 2026	gap	gap	gap	gap	3.55%	3.74%	3.95%	gap

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Methodology

MYGA: the highest published 3-, 5- and 7-year rate across the public carrier rate sheets we track from insurers rated A- or better by AM Best (Athene, MassMutual, New York Life, Delaware Life), $100,000+ band. Each point is a sheet that was in effect that Friday, read from the carrier’s own public sheet and saved with its effective date. MassMutual does not publish a 7-year rate on the tracked sheet. Subscription rate data is not used.
CD: the top range of the best nationally available 5-year CDs (APY), from Bankrate and DepositAccounts tables, with the date of the reading. Only a 5-year CD series exists; there is no 3-year or 7-year CD series.
Treasury: U.S. Treasury daily par yield curve, 3-, 5- and 7-year, for the Friday or the last business day before it. Treasury interest is exempt from state income tax; MYGA interest is tax-deferred. Compare after-tax, not just on the headline.
Gaps: before the first week with saved sheets, MYGA and CD cells are blank. We do not estimate or interpolate. The series adds one row every week going forward.
What a MYGA rate is not: a guaranteed rate for a term, backed by the insurer’s claims-paying ability and state guaranty associations, not FDIC insurance. Surrender charges apply if you take money out early. See current MYGA rates and the monthly MYGA vs CD Spread Index.

Changelog

October 18, 2026: First edition. Weekly series with 3-, 5- and 7-year MYGA, 5-year CD and 3-, 5-, 7-year Treasury; Treasury back to January 2, 2026, MYGA from the October 2 week, CD from the September 25 week.

Disclosure

Hans Goldstein is a California-licensed insurance producer (CA Insurance License #4273294) and an Enrolled Agent. Insurance products are sold through licensed producers; this page is general education, not an offer, quote or tax advice for your situation. Rates change and may differ by state and premium.

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Hans Goldstein is an Enrolled Agent, admitted to practice before the Internal Revenue Service. Not affiliated with or endorsed by the IRS. General education, not tax or legal advice for your situation.