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Today's CD and fixed annuity rates from regulated banks and insurers — side by side, refreshed daily.

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5YR MYGA Top filed rate · A-rated carrier

5.85% +0.05

3YR MYGA Top filed rate · A-rated carrier

5.40% —

5YR CD Top FDIC-insured rate

4.75% −0.02

Spread 5yr MYGA over 5yr CD

+110bp +7bp

Editor's note The 5-year MYGA spread over CDs is the widest it's been since the spring.

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Used in our calcs

5YR MYGA Default rate input

5.85% +0.05

Top CD · 5y Comparison input

4.75% −0.02

Fed funds Discount rate floor

4.50% —

10YR UST Long-end reference

4.28% −0.05

Inputs refreshed Daily at 4:30pm ET, from carrier rate filings and the H.15 release.

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Fixed Annuities, plainly.

How MYGAs work, the fine print that decides outcomes, and the safety layers behind your principal.

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Cited in this section

State guaranty cap Most states · life-and-health

$250k

FDIC limit Per depositor, per bank

$250k

Top MYGA · A-rated 5-year, sample state

5.85% +0.05

Typical surrender Year-1 charge, 5-year contract

Note State guaranty caps vary — Massachusetts and Washington go higher; check your state.

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Our story

Why we put it in writing.

A small editorial agency. Filed prices, no broker markup, written reviews. Licensed in all 50 states.

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By the numbers

Licensed in All states + DC

Reviews filed Last 30 days

47 +12

Avg. response On Decision Confidence

18h −4h

Carriers Quoted across all products

32 +2

Disclosure GetSure Insurance Agency is a licensed producer. Not a bank or broker-dealer.

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