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Rates Marketplace

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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MYGA Ladder Builder

Stack 3, 5, 7, and 10-year rungs. See blended yield and exactly when liquidity hits.

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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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Start here

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

7%

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.

Quick links

By the numbers

Licensed in All states + DC

50

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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Fixed annuity carrier

Axonic fixed annuity rates

Axonic, founded in 2022 and headquartered in New York, issues 2 fixed annuities in 2 to 10-year terms.

5.70%Top APY

A-AM Best

2022Founded

Available products

Pick your state to see what's available

Filings vary by state — picking yours lets us show only what you can actually buy and at the right rate.

No Axonic products are filed in .

Product	2-yr	3-yr	5-yr	7-yr	10-yr	Min
Waypoint MYGA	5.00%	5.45%	5.70%	5.50%	5.50%	$20k	↓

Incline MYGA	—	5.25%	5.55%	5.25%	5.25%	$20k	↓

About Axonic

Founded: 2022New York
AM Best rating: A-What this means
Phone: (833) 596-0311
Website: axonicinsuranceservices.com
Carrier brochure: ↓ Download (PDF)
State guaranty coverage: Each contract is backed by the issuing carrier and the applicable state guaranty association up to that state's statutory limit.See limits by state.

Compare Axonic against the rest of the market

Book a 15-minute call. We'll confirm what's filed in your state, walk through the contract, and handle the application end-to-end.

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