Current Annuity Rates
Rows are server-rendered from curated YAML sources and API adapters (FRED, TreasuryDirect, FDIC). Every rate links to its source; every benchmark shows its as-of date.
Comparison benchmarks
5-yr MYGA (top rate)
5.15%
as of
5-yr CD national average
1.85%
as of
S&P 500 historical avg
10.00%
as of
MYGA rates
| Carrier | Product | Term | Rate | Premium band | Effective | Source |
|---|---|---|---|---|---|---|
| new-york-life | Secure Term MVA II | 5y | 4.60% | $100,000 – $1,499,999 | New York Life Secure Term MVA II 5-year $100k+ rate — nylannuities.com, effective 2026-04-27 | |
| new-york-life | Secure Term Choice II | 5y | 4.50% | $100,000 – $1,499,999 | New York Life Secure Term Choice II 5-year $100k+ rate — nylannuities.com, effective 2026-04-27 | |
| pacific-life | Pacific Harbor | 5y | 5.15% | $200,000+ | Pacific Life Pacific Harbor 5-year $200k+ rate — ria.pacificlife.com (Pacific Life Advisory), effective 2026-04-16 |
Table and panel are regenerated by the data pipeline. Provenance is recorded in the build manifest. Last pipeline run: 2026-04-23T01:55:10.499Z.