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.

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Annuity FIA — Annuity FIA on Annuital. Annuital manages 5 data types including annuities.
About Us — About Us on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
TSP Retirement Guide — TSPRetirement Guide on Annuital. Annuital manages 5 data types including annuities.
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FERS Supplement Guide — FERSSupplement Guide on Annuital. Annuital manages 5 data types including annuities.
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Federal Retirees Guide — Federal Retirees Guide on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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Annuity Income — Annuity Income on Annuital. Annuital manages 5 data types including annuities.
Annuity Types — Annuity Types on Annuital. Annuital manages 5 data types including annuities.
Federal Advisor — Federal Advisor on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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Federal Retirement Guide Article — Federal Retirement Guide Article on Annuital. Annuital manages 5 data types including annuities.
Annuity Vs CD Comparison — Annuity Vs CDComparison on Annuital. Annuital manages 5 data types including annuities.
Roth Conversion Calculator — Roth Conversion Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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Annuity Payout Calculator — Annuity Payout Calculator on Annuital. Annuital manages 5 data types including annuities.
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Savings Longevity Calculator — Savings Longevity Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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Refinance Savings Calculator — Refinance Savings Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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