Fixed Annuity Rates
Top current MYGA rates
Looking for current MYGA rates? This page is built to help you compare the main term lengths quickly, see the details that matter, and verify availability before you move money.
Use the rate tables below to review current rates, minimum deposits, and carrier strength ratings, then talk with us if you want help confirming which options are actually available for your timeline.
How to use this page
If you are already rate-shopping, start with the term table that matches your timeline. Short-to-mid-term shoppers usually want the 3-year and 5-year sections first, while longer-horizon dollars usually belong in the 7-year and 10-year review.
If you are also comparing against CDs, use the quick snapshot below, then go deeper on the dedicated MYGA vs CD page.
Jump to:
3-Year Rates | 5-Year Rates | 7-Year Rates
Ready to verify and move? Book a call so we can confirm the rate before you apply.
Current MYGA rates by term
Below are the top MYGA rates organized by common term lengths.
3-Year MYGA Rates
| Carrier | Guaranteed Rate | Minimum Deposit | AM Best Rating |
|---|---|---|---|
| Ibexis | 5.65% | $100,000 | A- "Excellent" |
| Athene | 5.00% | $100,000 | A+ "Excellent" |
| Delaware Life | 4.95% | $100,000 | A- "Excellent" |
High band rates are shown by default. Rates are subject to change and availability. Last updated: August 20, 2026.
5-Year MYGA Rates
| Carrier | Guaranteed Rate | Minimum Deposit | AM Best Rating |
|---|---|---|---|
| Ibexis | 6.15% | $100,000 | A- "Excellent" |
| Athene | 5.20% | $100,000 | A+ "Excellent" |
| Delaware Life | 5.20% | $100,000 | A- "Excellent" |
High band rates are shown by default. Rates are subject to change and availability. Last updated: August 20, 2026.
7-Year MYGA Rates
| Carrier | Guaranteed Rate | Minimum Deposit | AM Best Rating |
|---|---|---|---|
| Ibexis | 6.40% | $100,000 | A- "Excellent" |
| Athene | 5.30% | $100,000 | A+ "Excellent" |
| Delaware Life | 5.25% | $100,000 | A- "Excellent" |
High band rates are shown by default. Rates are subject to change and availability. Last updated: August 20, 2026.
We focus on rates we can actually help clients verify and place, rather than publishing an unfiltered list of every product on the market.
What to look at besides the highest number
A stronger quoted rate matters, but it should not be the only thing you compare.
Minimum deposit
Some products only unlock their best rate at a higher deposit level. A product that looks best at first glance may not be the best fit for your actual amount.
Carrier strength
MYGAs are backed by the claims-paying ability of the issuing insurance company, which is why financial-strength ratings matter.
Holding period
A 10-year rate only makes sense if the timeline fits the role of the money you are committing.
Penalty-free access
Many MYGAs allow annual penalty-free withdrawals, but the amount and rules vary by contract.
Funding type
Qualified and non-qualified funding can affect how you evaluate the same product, even when the term looks attractive.
How to read these tables
Carrier is the insurance company issuing the MYGA.
Guaranteed rate is the annual interest rate the contract guarantees for the full term once issued.
Minimum deposit is the lowest amount the carrier will accept for that product or rate tier.
AM Best rating is an independent financial-strength rating used to help evaluate the insurer's ability to meet policyholder obligations.
Which term length may fit your timeline?
3-year MYGAs can make sense if you want a shorter holding period or expect to revisit your maturity decision earlier.
5-year MYGAs are often the middle ground between yield and flexibility.
7-year MYGAs can fit money that can stay parked longer in exchange for a longer guarantee window.
10-year MYGAs belong with truly long-horizon dollars, not as the default choice for everyone.
We do not match people to the longest term by default. We match the term to the role of the money.
MYGA rates vs CD rates: the fast comparison
Where each option tends to stand out
Where a MYGA may stand out: often stronger rates, tax-deferred growth, and a better fit for money you can leave alone for a set period.
Where a CD may feel simpler: the FDIC framework is more familiar to many people, lower minimums are common, and liquidity penalties are often easier to recognize quickly.
Why rates change: MYGA pricing moves because of the broader rate environment, carrier competitiveness, deposit breakpoints, and state-specific product availability.
That is why a visible update date and a quick verification step matter so much on a page like this.
How to lock in a MYGA rate
When you are ready to move from browsing to action, the process is straightforward.
Book a call
We confirm your state, deposit amount, timeline, and whether the money is qualified or non-qualified.
Review the best-fit options
We show you the strongest current matches, not just a random list of rates.
Verify details before applying
You see the rate, minimum, carrier, holding period, and key contract details before moving forward.
Complete the application
We help with the paperwork and funding instructions.
Fund and confirm
Once the carrier accepts the funds, the rate is locked and the contract is issued.
Why work with Fairway instead of rate-shopping alone?
The internet can show you numbers. It usually does not tell you which rates are actually available for your state, deposit level, and timeline, or which tradeoffs matter most.
Independent comparison
We are not tied to one carrier, so we can compare across multiple options.
Plain-English guidance
We explain the differences clearly, including the tradeoffs that are easy to miss.
Rate verification before you commit
We confirm current availability instead of asking you to rely on an outdated chart.
Matching the term to the role of the money
The best fit is not always the longest term or the single headline rate.
How we source and update these rates
We pull rates from the carrier rate sheets and quoting platforms we use as licensed annuity brokers. We review and update this page regularly, and more often when rates move meaningfully.
We publish rates relevant for Georgia residents, prioritize products from carriers with strong financial-strength ratings, and use the tables as a starting-point comparison rather than a guarantee of issue.
Disclosures
MYGAs are not FDIC insured.
Guarantees are subject to the claims-paying ability of the issuing insurance company.
State guaranty-association protections differ from bank insurance and should not be the main reason to purchase.
Early withdrawals above the penalty-free amount can trigger charges during the holding period.
Fairway is compensated by carriers, but that compensation does not change the credited rate the client receives.
Frequently asked questions about Georgia MYGA rates
These are the questions people usually ask once they start comparing the tables more seriously.
How often do MYGA rates change?
They can change quickly. Some remain stable for a period of time, while others change with little notice depending on the carrier and rate environment.
Are these rates only for Georgia residents?
This page is built for Georgia availability. People in other states may see different products and different rates.
What deposit amount do I need to get the best rate?
That depends on the product. Some carriers use rate tiers, so a higher deposit may qualify for better pricing.
Are MYGAs better than CDs?
Not automatically. MYGAs often offer stronger rates and tax deferral, but CDs may feel more familiar and sometimes offer different liquidity tradeoffs.
Can I use IRA or 401(k) money for a MYGA?
In many cases, yes. Qualified money is one of the most common funding sources for MYGAs.
What happens when the term ends?
At maturity, you can usually review renewal options, move the funds elsewhere, or reposition them into another product depending on your goals at that time.
Ready to confirm today's MYGA rates?
Rates can change fast, and the best fit depends on more than the headline number. We will help you verify what is actually available for your term, deposit amount, and timeline.
No obligation. No pressure. Just clear answers and honest guidance.