MYGAUpdated: 2026-10-26Author: Hans Goldstein, EA, NPN 20602398

MYGA Rate Tracker: Top Rate by Term, Updated Weekly

Name: Weekly MYGA Rate Tracker: top rate by term
Creator: Hans Goldstein
Published: 2026-10-22
License: https://creativecommons.org/licenses/by/4.0/

As of October 26, 2026, the highest 5-year MYGA rate on the public rate sheets we track is 6.10% (Delaware Life Pinnacle Plus, AM Best A-), +1.10 points over the top 5-year CD at 5.00%.

Read straight from public carrier rate sheets. Nothing estimated.
Insurers rated A- or better only. Higher rates at lower-rated insurers are noted below.
Free CSV and citation code at the bottom. Reuse it, link back.

This week’s top rates

Term	Top rate	Carrier	AM Best	Min premium	Vs last week	Vs top CD
2-year	Not tracked: no public carrier rate sheet for this term
3-year	5.75%	Athene MaxRate	A+	$10,000	first week	n/a
4-year	5.55%	MassMutual Stable Voyage	A++	$10,000	first week	n/a
5-year	6.10%	Delaware Life Pinnacle Plus	A-	$25,000	first week	+1.10 pts
6-year	5.40%	New York Life Secure Term Fixed Annuity V	A++	$5,000	first week	n/a
7-year	6.15%	Athene MaxRate	A+	$10,000	first week	n/a
8-year	Not tracked: no public carrier rate sheet for this term
9-year	Not tracked: no public carrier rate sheet for this term
10-year	5.95%	Delaware Life Pinnacle Plus	A-	$25,000	first week	n/a
5-year CD	5.00%	Best nationally available 5-year CD APY, FDIC insured (October 18, 2026)

Top rates need $100,000+ premium at every carrier except Canvas. Athene in California and 18 other states pays less: 5-year 6.00% (vs 6.05%); 7-year 6.10% (vs 6.15%). Higher rates exist at lower-rated insurers: 3-year 6.30% (Canvas Future Fund (Puritan Life), AM Best B++); 5-year 6.50% (Canvas Future Fund (Puritan Life), AM Best B++); 7-year 6.50% (Canvas Future Fund (Puritan Life), AM Best B++); 10-year 6.50% (Canvas Future Fund (Puritan Life), AM Best B++). Rates vary by state, premium and issue age. A MYGA is backed by the insurer and state guaranty association, not the FDIC. Not a quote.

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n/t = no public rate sheet tracked for that term. Table above holds the same numbers.

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<p>Source: <a href="https://hansgoldstein.com/myga-rates/tracker/">Hans Goldstein, MYGA Rate Tracker</a>, week of October 26, 2026. Data: public carrier rate sheets, free CSV.</p>

Plain text: “Hans Goldstein, MYGA Rate Tracker, hansgoldstein.com, week of October 26, 2026.” Press questions: [email protected].

Sources

Athene MaxRate rate sheet, effective October 14, 2026. Minimum premium: Athene MaxRate review on this site.
MassMutual Stable Voyage rate sheet, effective October 26, 2026. Minimum premium: MassMutual Stable Voyage review on this site.
Delaware Life Pinnacle Plus rate sheet, effective October 21, 2026. Minimum premium: Delaware Life Pinnacle review on this site.
New York Life Secure Term Fixed Annuity V rate sheet, effective October 26, 2026. Minimum premium: nylannuities.com rate page.
Canvas Future Fund (Puritan Life) rate sheet, effective October 26, 2026 (date read, no effective date published). Minimum premium: Canvas rate feed.
Top CD: Bankrate and populardirect.com 5-year CD tables (retrieved 10/18/2026).
Ratings: AM Best financial strength ratings as noted in carriers.csv; confirm on ambest.com before relying on them.

See also the longer series: MYGA Rate Index and current MYGA rates. Sheets checked October 26, 2026.

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. Rates change and may differ by state and premium. Hans Goldstein, 1401 21st St, Ste R, Sacramento, CA.

Rate alert

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The best MYGA, CD and savings rates change every few weeks. Get a short email when a rate on this page changes.

We’ll email you when a rate on this page changes. Hans Goldstein · NPN 20602398.

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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.