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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Carrier Partners on Annuital. Annuital manages 5 data types including annuities.

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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.
Annuity Payout Calculator — Annuity Payout Calculator 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.
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Application Confirmation — Application Confirmation on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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Budget Tool — Budget Tool on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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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.
FERS Supplement Guide — FERSSupplement Guide 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.
Federal Benefits Hub — Federal Benefits Hub on Annuital. Annuital manages 5 data types including 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.
Federal Retirement Date Optimizer — Federal Retirement Date Optimizer on Annuital. Annuital manages 5 data types including annuities.
Federal Retirement Guide Article — Federal Retirement Guide Article on Annuital. Annuital manages 5 data types including annuities.
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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.
Life Expectancy Calculator — Life Expectancy Calculator on Annuital. Annuital manages 5 data types including annuities.
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Military Buyback Calculator — Military Buyback Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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Quote Calculator — Quote Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
RMD Calculator — RMDCalculator on Annuital. Annuital manages 5 data types including annuities.
Refinance Savings Calculator — Refinance Savings Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
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Roth Conversion Calculator — Roth Conversion Calculator on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.
SS Bridge Calculator — SSBridge Calculator on Annuital. Annuital manages 5 data types including 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.
State Landing Page — State Landing Page on Annuital. Annuital manages 5 data types including annuities.
TSP Retirement Guide — TSPRetirement Guide on Annuital. Annuital manages 5 data types including annuities.
Terms Of Service — Terms Of Service on Annuital. Annuital is your direct-to-consumer marketplace for fixed annuities.