What are today's best fixed annuity rates?

Today's best fixed annuity (MYGA) rates are up to 5.50% APY for multi-year guaranteed annuities from A-rated carriers. Rates vary by term, premium amount, and state. Compare current rates at Annuital.

Are fixed annuities better than CDs in 2026?

Fixed annuities often offer higher guaranteed rates than CDs in 2026 — up to 5.50% APY vs typical CD rates of 3-4% — plus tax-deferred growth. Both are principal-protected, but annuities provide superior long-term retirement benefits.

What is a multi-year guaranteed annuity (MYGA)?

A MYGA (multi-year guaranteed annuity) is a fixed annuity that guarantees a specific interest rate for a set term — typically 2 to 10 years. Your principal is 100% protected and grows tax-deferred. It works like a CD but typically offers higher rates and tax advantages.

How safe are fixed annuities?

Fixed annuities are backed by the financial strength of A-rated insurance carriers and state guaranty associations. Your principal is 100% protected from market losses. They are among the safest retirement savings vehicles available.

Can I withdraw money from a fixed annuity?

Most fixed annuities allow penalty-free withdrawals of up to 10% per year. Additional withdrawals during the surrender period may incur charges. After the surrender period ends, you can access your full balance without penalty.

What states does Annuital serve?

Annuital is licensed to sell fixed annuities in Connecticut, Florida, Massachusetts, North Carolina, New Hampshire, Rhode Island, and Vermont. Services are not available in California or New York.

Annuital manages 5 data types including annuities. Helps you organize, track, and share your work in 1 place for teams and solo users.

Annuity Vs CD Comparison | Annuital

Annuity Vs CD Comparison on Annuital. Annuital is the defined outcome investing platform for retirees.

Pages

Marketplace
AI Advisor — AIAdvisor on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
About Us — About Us on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Application — Application on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Application Confirmation — Application Confirmation on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Blog — Blog on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Blog Post — Blog Post on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Budget Tool — Budget Tool on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
FAQ — FAQ on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
FEGLI Calculator — FEGLICalculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Federal Advisor — Federal Advisor on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Federal Income Planner — Federal Income Planner on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Federal Pension Calculator — Federal Pension Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Federal Retirees Guide — Federal Retirees Guide on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Immediate Annuities — Immediate Annuities on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Income Planner — Income Planner on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Military Buyback Calculator — Military Buyback Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
My Policies — My Policies on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
My Quotes — My Quotes on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Privacy Policy — Privacy Policy on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Quote Calculator — Quote Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Refinance Savings Calculator — Refinance Savings Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Roth Conversion Calculator — Roth Conversion Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Savings Longevity Calculator — Savings Longevity Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Social Security Calculator — Social Security Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
Terms Of Service — Terms Of Service on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
RMD Calculator — RMD Calculator on Annuital. Annuital is the defined outcome investing platform for retirees.
Annuity Payout Calculator — Annuity Payout Calculator on Annuital. Annuital is the defined outcome investing platform for retirees.
State Landing Page — State Landing Page on Annuital. Annuital is the defined outcome investing platform for retirees.
Login — Login on Annuital. Annuital is the defined outcome investing platform for retirees.
Register — Register on Annuital. Annuital is the defined outcome investing platform for retirees.
Forgot Password — Forgot Password on Annuital. Annuital is the defined outcome investing platform for retirees.
Reset Password — Reset Password on Annuital. Annuital is the defined outcome investing platform for retirees.
Calculators — Calculators on Annuital. Annuital is the defined outcome investing platform for retirees.
Annuity Vs CD Comparison — Annuity Vs CD Comparison on Annuital. Annuital is the defined outcome investing platform for retirees.
Life Expectancy Calculator — Life Expectancy Calculator on Annuital. Annuital is the defined outcome investing platform for retirees.
Federal Retirement Date Optimizer — Federal Retirement Date Optimizer on Annuital. Annuital is the defined outcome investing platform for retirees.
Federal Retirement Guide Article — Federal Retirement Guide Article on Annuital. Annuital is the defined outcome investing platform for retirees.
Federal Benefits Hub — Federal Benefits Hub on Annuital. Annuital is the defined outcome investing platform for retirees.
TSP Retirement Guide — TSP Retirement Guide on Annuital. Annuital is the defined outcome investing platform for retirees.
FERS Supplement Guide — FERS Supplement Guide on Annuital. Annuital is the defined outcome investing platform for retirees.
Carrier Partners — Carrier Partners on Annuital. Annuital is the defined outcome investing platform for retirees.
SS Bridge Calculator — SS Bridge Calculator on Annuital. Annuital is the defined outcome investing platform for retirees.
Contract Checkup — Contract Checkup on Annuital. Annuital is the defined outcome investing platform for retirees.
Annuity Types — Annuity Types on Annuital. Annuital is the defined outcome investing platform for retirees.
Maturity Tracker — Maturity Tracker on Annuital. Annuital is the defined outcome investing platform for retirees.
Annuity MYGA — Annuity MYGA on Annuital. Annuital is the defined outcome investing platform for retirees.
Annuity FIA — Annuity FIA on Annuital. Annuital is the defined outcome investing platform for retirees.
Annuity Income — Annuity Income on Annuital. Annuital is the defined outcome investing platform for retirees.
Rate Manager — Rate Manager on Annuital. Annuital is the defined outcome investing platform for retirees.
FERS Supplement Bridge Calculator — FERS Supplement Bridge Calculator on Annuital. Annuital is the defined outcome investing platform for retirees.
Tax Equivalent Yield Guide — Tax Equivalent Yield Guide on Annuital. Annuital is the defined outcome investing platform for retirees.
Gainbridge Alternative — Gainbridge Alternative on Annuital. Annuital is the defined outcome investing platform for retirees.
Blueprint Income Alternative — Blueprint Income Alternative on Annuital. Annuital is the defined outcome investing platform for retirees.
Canvas Annuity Alternative — Canvas Annuity Alternative on Annuital. Annuital is the defined outcome investing platform for retirees.
My Annuity Store Alternative — My Annuity Store Alternative on Annuital. Annuital is the defined outcome investing platform for retirees.
Fidelity Alternative — Fidelity Alternative on Annuital. Annuital is the defined outcome investing platform for retirees.
Athene Alternative — Athene Alternative on Annuital. Annuital is the defined outcome investing platform for retirees.
Allianz Alternative — Allianz Alternative on Annuital. Annuital is the defined outcome investing platform for retirees.
Pacific Life Alternative — Pacific Life Alternative on Annuital. Annuital is the defined outcome investing platform for retirees.
Are Annuities Worth It — Are Annuities Worth It on Annuital. Annuital is the defined outcome investing platform for retirees.
Annuity Ladder Builder — Annuity Ladder Builder on Annuital. Annuital is the defined outcome investing platform for retirees.
FIA Calculator — FIA Calculator on Annuital. Annuital is the defined outcome investing platform for retirees.
Which Strategy — Which Strategy on Annuital. Annuital is the defined outcome investing platform for retirees.
How It Works — How It Works on Annuital. Annuital is the defined outcome investing platform for retirees.
Outcome Comparison — Outcome Comparison on Annuital. Annuital is the defined outcome investing platform for retirees.
Federal Retirees Hub — Federal Retirees Hub on Annuital. Annuital is the defined outcome investing platform for retirees.
Compound Interest Calculator — Compound Interest Calculator on Annuital. Annuital is the defined outcome investing platform for retirees.
What Do I Need To Save — What Do I Need To Save on Annuital. Annuital is the defined outcome investing platform for retirees.