Annuity Rate Benchmarks
Benchmark ranges for MYGA and fixed-indexed annuities, compared with Treasury yields and CD rates. Educational reference, not a quote.
Reviewed by the Annuity Score One editorial team.
No approved weekly snapshot has been published yet. Benchmark ranges will appear after editorial approval.
Considering one?
Rates are one input. Fit comes first.
Check My Fit →How to read annuity rates
Different measures answer different questions.
| Measure | What it means |
|---|---|
| Declared rate | The interest rate credited to the contract account for the stated period. |
| Payout rate | An income-payment measure; it can include a return of principal and is not the same as interest earned. |
| Cap / participation | A cap limits credited index gains; participation determines the share of index gains used in crediting. Neither is a guaranteed investment return. |
Frequently asked questions
What is a good annuity rate right now?
A current approved MYGA range is not available. Financial strength, liquidity, contract terms and your goals matter alongside the rate.
Are annuity rates going up or down?
Four-week comparable published observations are not yet available. No trend or forecast is inferred.
How do MYGA rates compare with CDs and Treasuries?
Current comparable MYGA observations are not available. Insurer guarantees differ from government-backed Treasury obligations and FDIC-insured bank deposits.
Why do lower-rated carriers pay more?
Higher rates from lower-rated carriers can reflect differences in financial strength and pricing. A higher yield can involve accepting different insurer credit risk; it is not a recommendation.
Do annuity rates differ by state?
Yes. Availability and contract terms vary by state, insurer, premium, issue age and product. Aggregate ranges are not a state-specific offer.
Is a lower rate a reason to replace my annuity?
No. A lower rate alone is not a reason to change. Surrender charges, bonus recapture and valuable riders can outweigh a rate difference. The Annuity Position Score helps organize the questions to review with a licensed professional.
Methodology & sources
Ranges are built from weekly rate sheets supplied by a licensed partner. Coverage counts will be shown with the first approved snapshot. Ranges are split by AM Best financial-strength tier at A-. The comparison uses the stated non-qualified premium basis for the snapshot and excludes first-year bonus or teaser rates. State availability varies. Changes use the median when supplied, otherwise the midpoint.
- FRED · DGS1 · As of October 23, 2026
- FRED · DGS3 · As of October 23, 2026
- FRED · DGS5 · As of October 23, 2026
- FRED · DGS7 · As of October 23, 2026
- FRED · DGS10 · As of October 23, 2026
- FDIC National Rates and Rate Caps · No observations
- Licensed partner rate sheets (unnamed) · Awaiting an approved release
Change log
No published weekly history yet.
Benchmark ranges for education only, not an offer, quote or recommendation to buy, sell, surrender or replace any annuity. Annuity Score One is not an insurer, broker-dealer or investment adviser. Guarantees are backed by the issuing insurer's claims-paying ability. Rates, caps and availability vary by carrier, state, premium, age and product. Do not surrender or stop payments on any annuity without first consulting a licensed professional in your state.