Last updated October 12, 2026. Rates are for contracts issued in California and change often — confirm today’s rate before you apply.
These are the current California fixed annuity rates for every multi-year guaranteed annuity (MYGA) available to California residents: 177 products from 31 insurance carriers. As of this update, the best guaranteed yield is 6.10% for 5 years, 6.20% for 7 years and 6.35% for 10 years. The highest on the list is 6.45% for 8 years (Oxford Life Insurance Company Multi-Select 8).
I’m Kevin Edwards, an independent California annuity agent. I refresh this page every week from carrier rate data and check every product against California approval, so every rate below is one a California resident can actually buy.
Best California MYGA Rate by Term
| Term | Best guaranteed yield | Carrier | Product | Deposit for this rate | Products available |
|---|---|---|---|---|---|
| 2 years | 5.15% | Oceanview Life and Annuity | Harbourview 2 (CA) | $70,000+ | 4 |
| 3 years | 5.70% | Oxford Life Insurance Company | Multi-Select 3 | $20,000+ | 34 |
| 4 years | 6.05% | Oxford Life Insurance Company | Multi-Select 4 | $20,000+ | 12 |
| 5 years | 6.10% | Aspida | Synergy Choice 5 | $100,000+ | 49 |
| 6 years | 6.35% | Oxford Life Insurance Company | Multi-Select 6 | $20,000+ | 11 |
| 7 years | 6.20% | Oxford Life Insurance Company | Multi-Select 7 | $20,000+ | 42 |
| 8 years | 6.45% | Oxford Life Insurance Company | Multi-Select 8 | $20,000+ | 5 |
| 9 years | 6.30% | Oxford Life Insurance Company | Multi-Select 9 | $20,000+ | 6 |
| 10 years | 6.35% | Oxford Life Insurance Company | Multi-Select 10 | $20,000+ | 14 |
All California Fixed Annuity Rates by Term
Each table lists every MYGA for that term, sorted by guaranteed yield to surrender — the annualized return if you hold the contract to the end of its term with no withdrawals. When a product pays more for larger deposits, the row shows its best rate and the deposit needed for it, plus the lowest deposit it accepts and the yield at that level.
2-Year MYGA Rates in California (4 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Oceanview Life and Annuity | Harbourview 2 (CA) | 5.15% | 5.15% | $70,000+ | $20,000+ at 4.80% | No | — |
| Axonic Insurance | Waypoint 2 MYGA | 5.10% | 5.10% | $100,000+ | $20,000+ at 4.75% | Yes | — |
| Aspida | Synergy Choice 2 | 4.60% | 4.60% | $100,000+ | $25,000+ at 4.45% | Yes | — |
| Americo | Platinum Assure 2 | 4.15% | 4.15% | $25,000+ | Same | No | — |
3-Year MYGA Rates in California (34 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Oxford Life Insurance Company | Multi-Select 3 | 5.70% | 5.70% | $20,000+ | Same | Yes | — |
| Athene IA | Athene Max Rate 3 (state specific) | 5.65% | 5.65% | $100,000+ | $10,000+ at 5.40% | Yes | — |
| Axonic Insurance | Waypoint 3 MYGA | 5.65% | 5.65% | $100,000+ | $20,000+ at 5.30% | Yes | — |
| Global Atlantic Financial Group | SecureFore 3 | 5.65% | 5.65% | $100,000+ | $10,000+ at 5.45% | No | — |
| Delaware Life | Pinnacle Plus MYGA 3 | 5.60% | 5.60% | $100,000+ | $25,000+ at 5.30% | Yes | — |
| American National Insurance Company | Palladium MYG MAX 3 | 5.60% | 5.60% | $250,000+ | $5,000+ at 5.35% | No | — |
| Symetra Life Insurance Company | Symetra Select Max 3 | 5.60% | 5.60% | $250,000+ | $10,000+ at 5.35% | No | — |
| Symetra Life Insurance Company | Symetra Select Pro 3 | 5.60% | 5.60% | $250,000+ | $10,000+ at 5.35% | No | — |
| Equitrust Life Insurance Company | Certainty Select 3 | 5.50% | 5.50% | $10,000+ | Same | No | — |
| Aspida | Synergy Choice 3 | 5.50% | 5.50% | $100,000+ | $25,000+ at 5.35% | Yes | — |
| Ibexis | MYGA Plus 3 (Simple Interest) CA | 5.49% | 5.80% | $100,000+ | $10,000+ at 5.22% | No | Simple interest |
| North American Company | NAC Guarantee Plus 3 | 5.45% | 5.45% | $100,000+ | $20,000+ at 5.05% | Yes | — |
| American National Insurance Company | Palladium MYG Annuity 3 | 5.45% | 5.45% | $250,000+ | $5,000+ at 5.20% | No | — |
| American National Insurance Company | Palladium Match MYG Annuity 3 | 5.40% | 5.40% | $250,000+ | $5,000+ at 5.15% | No | — |
| Symetra Life Insurance Company | Symetra Select Pro 3 GROP | 5.40% | 5.40% | $250,000+ | $10,000+ at 5.15% | No | Return-of-premium feature |
| Sagicor Life Insurance Company | Milestone MYGA 3 CA | 5.35% | 5.35% | $100,000+ | $15,000+ at 4.35% | No | — |
| Oceanview Life and Annuity | Harbourview 3 (CA) | 5.30% | 5.30% | $70,000+ | $20,000+ at 4.95% | No | — |
| Securian Financial | SecureOption Choice 3 CA | 5.30% | 5.30% | $500,000+ | $25,000+ at 5.00% | No | — |
| Clear Spring Life | Preserve MYGA 3 | 5.20% | 5.20% | $100,000+ | $10,000+ at 4.90% | Yes | — |
| National Life Group | RetireMax Secure 3 MVA | 5.20% | 5.20% | $100,000+ | $25,000+ at 4.90% | Yes | Loan provision |
| Fidelity & Guaranty Life | FG Guarantee-Platinum 3 | 5.15% | 5.15% | $20,000+ | Same | No | — |
| The Standard | Multi-Choice 3 | 5.15% | 5.15% | $100,000+ | $15,000+ at 4.85% | No | — |
| The Standard | Focused Growth Annuity 3 | 5.10% | 5.10% | $100,000+ | $15,000+ at 4.80% | No | — |
| The Standard | Multi-Choice 3 Interest Only Withdrawals | 5.10% | 5.10% | $100,000+ | $15,000+ at 4.80% | No | — |
| The Standard | Multi-Choice 3 10% Withdrawal Provision | 5.05% | 5.05% | $100,000+ | $15,000+ at 4.75% | No | — |
| The Standard | Multi-Choice 3 10% Withdrawal Provision ROP | 4.95% | 4.95% | $100,000+ | $15,000+ at 4.65% | No | Return-of-premium feature |
| Royal Neighbors of America | MYGA 3 Year CA | 4.85% | 4.85% | $100,000+ | $10,000+ at 4.65% | No | — |
| Massmutual Ascend Life Insurance Company | SecureGain 3 2025 | 4.80% | 4.80% | $100,000+ | $25,000+ at 4.45% | Yes | — |
| National Life Group | RetireMax Secure 3 | 4.80% | 4.80% | $100,000+ | $25,000+ at 4.50% | No | Loan provision |
| Americo | Platinum Assure 3 | 4.45% | 4.45% | $25,000+ | Same | No | — |
| Guaranty Income Life | Guaranty Rate Lock 3 | 4.10% | 4.10% | $250,000+ | $10,000+ at 3.60% | Yes | — |
| Nationwide Life Insurance Company | Secure Growth 3 | 4.00% | 4.00% | $100,000+ | $10,000+ at 3.60% | No | — |
| Nationwide Life Insurance Company | Secure Growth 3 ROP | 3.85% | 3.85% | $100,000+ | $10,000+ at 3.35% | No | Return-of-premium feature |
| American Equity Investment Life Insurance Company | GuaranteeShield 3 | 3.75% | 3.75% | $100,000+ | $10,000+ at 3.50% | Yes | — |
4-Year MYGA Rates in California (12 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Oxford Life Insurance Company | Multi-Select 4 | 6.05% | 6.05% | $20,000+ | Same | Yes | — |
| Americo | Platinum Assure 4 | 5.70% | 5.70% | $25,000+ | Same | No | — |
| Oceanview Life and Annuity | Harbourview 4 (CA) | 5.70% | 5.70% | $70,000+ | $20,000+ at 5.35% | No | — |
| Nassau Life and Annuity Company | Nassau Simple Annuity 4 | 5.55% | 5.55% | $10,000+ | Same | Yes | — |
| American General Life Insurance Company | American Pathway VisionMYG 4 | 5.40% | 5.40% | $25,000+ | Same | Yes | — |
| Corebridge Financial | American Pathway VisionMYG 4 | 5.40% | 5.40% | $100,000+ | $25,000+ at 4.85% | Yes | — |
| Sagicor Life Insurance Company | Milestone MYGA 4 CA | 5.35% | 5.35% | $100,000+ | $15,000+ at 4.35% | No | — |
| Clear Spring Life | Preserve MYGA 4 | 5.30% | 5.30% | $100,000+ | $10,000+ at 5.00% | Yes | — |
| Integrity Life Insurance Company | MultiVantage 4 | 4.85% | 5.60% yr 1 | $20,000+ | Same | Yes | 5.60% first year, then 4.60% |
| Guaranty Income Life | Guaranty Rate Lock 4 | 4.30% | 4.30% | $250,000+ | $10,000+ at 3.80% | Yes | — |
| Nationwide Life Insurance Company | Secure Growth 4 | 3.85% | 3.85% | $100,000+ | $10,000+ at 3.55% | No | — |
| Nationwide Life Insurance Company | Secure Growth 4 ROP | 3.70% | 3.70% | $100,000+ | $10,000+ at 3.35% | No | Return-of-premium feature |
5-Year MYGA Rates in California (49 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Aspida | Synergy Choice 5 | 6.10% | 6.10% | $100,000+ | $25,000+ at 5.95% | Yes | — |
| Axonic Insurance | Waypoint 5 MYGA | 6.10% | 6.10% | $100,000+ | $20,000+ at 5.75% | Yes | — |
| Oxford Life Insurance Company | Multi-Select 5 | 6.00% | 6.00% | $20,000+ | Same | Yes | — |
| Protective Life | Secure Saver 5 | 6.00% | 6.00% | $75,000+ | $10,000+ at 4.75% | Yes | — |
| Global Atlantic Financial Group | SecureFore 5 | 6.00% | 6.00% | $100,000+ | $10,000+ at 5.80% | No | — |
| Symetra Life Insurance Company | Symetra Select Max 5 | 6.00% | 6.00% | $100,000+ | $10,000+ at 5.80% | No | — |
| Delaware Life | Pinnacle Plus MYGA 5 | 5.95% | 5.95% | $100,000+ | $25,000+ at 5.65% | Yes | — |
| Americo | Platinum Assure 5 CA | 5.90% | 5.90% | $25,000+ | Same | Yes | — |
| Symetra Life Insurance Company | Symetra Select Pro 5 | 5.90% | 5.90% | $100,000+ | $10,000+ at 5.70% | No | — |
| Reliance Standard Life | Eleos MVA 5 | 5.85% | 5.85% | $10,000+ | Same | Yes | — |
| Reliance Standard Life | Reliance Guarantee – 5 | 5.85% | 5.85% | $20,000+ | Same | Yes | — |
| North American Company | NAC Guarantee Plus 5 | 5.85% | 5.85% | $100,000+ | $20,000+ at 5.60% | Yes | — |
| Sagicor Life Insurance Company | Milestone MYGA 5 CA | 5.85% | 5.85% | $100,000+ | $15,000+ at 5.15% | No | — |
| Nassau Life and Annuity Company | Nassau MYAnnuity 5X 0% Free | 5.80% | 5.80% | $10,000+ | Same | Yes | — |
| Athene IA | Athene Max Rate 5 (state specific) | 5.80% | 5.80% | $100,000+ | $10,000+ at 5.55% | Yes | — |
| American National Insurance Company | Palladium MYG MAX 5 | 5.80% | 5.80% | $250,000+ | $5,000+ at 5.55% | No | — |
| Reliance Standard Life | Eleos SP 5 | 5.70% | 5.70% | $10,000+ | Same | No | — |
| American National Insurance Company | Palladium MYG Annuity 5 | 5.70% | 5.70% | $250,000+ | $5,000+ at 5.45% | No | — |
| Royal Neighbors of America | MYGA 5 Year CA | 5.65% | 5.65% | $100,000+ | $10,000+ at 5.45% | No | — |
| Symetra Life Insurance Company | Symetra Select Pro 5 GROP | 5.65% | 5.65% | $100,000+ | $10,000+ at 5.45% | No | Return-of-premium feature |
| American National Insurance Company | Palladium Match MYG Annuity 5 | 5.65% | 5.65% | $250,000+ | $5,000+ at 5.40% | No | — |
| Nassau Life and Annuity Company | Nassau MYAnnuity 5X 10% Free | 5.60% | 5.60% | $10,000+ | Same | Yes | — |
| Mutual of Omaha | Ultra Premier 5 | 5.60% | 5.60% | $25,000+ | Same | Yes | — |
| Corebridge Financial | American Pathway Fixed 5 Annuity with MVA | 5.60% | 5.60% | $100,000+ | $25,000+ at 5.25% | Yes | — |
| Ibexis | MYGA Plus 5 (Simple Interest) CA | 5.59% | 6.25% | $100,000+ | $10,000+ at 5.35% | No | Simple interest |
| Equitrust Life Insurance Company | Certainty Select 5 | 5.55% | 5.55% | $10,000+ | Same | No | — |
| Corebridge Financial | American Pathway Fixed 5 Annuity | 5.55% | 5.55% | $100,000+ | $25,000+ at 5.05% | No | — |
| Corebridge Financial | American Pathway Fixed 5 Annuity – GROP with MVA | 5.55% | 5.55% | $100,000+ | $25,000+ at 4.80% | Yes | Return-of-premium feature |
| The Standard | Multi-Choice 5 | 5.55% | 5.55% | $100,000+ | $15,000+ at 5.25% | No | — |
| Securian Financial | SecureOption Choice 5 CA | 5.55% | 5.55% | $500,000+ | $25,000+ at 5.30% | No | — |
| Fidelity & Guaranty Life | FG Guarantee-Platinum 5 | 5.50% | 5.50% | $20,000+ | Same | No | — |
| Corebridge Financial | American Pathway Fixed 5 Annuity – GROP | 5.50% | 5.50% | $100,000+ | $25,000+ at 4.80% | No | Return-of-premium feature |
| National Life Group | RetireMax Secure 5 MVA | 5.50% | 5.50% | $100,000+ | $25,000+ at 5.20% | Yes | Loan provision |
| The Standard | Focused Growth Annuity 5 | 5.50% | 5.50% | $100,000+ | $15,000+ at 5.20% | No | — |
| The Standard | Multi-Choice 5 Interest Only Withdrawals | 5.50% | 5.50% | $100,000+ | $15,000+ at 5.20% | No | — |
| Clear Spring Life | Preserve MYGA 5 | 5.45% | 5.45% | $100,000+ | $10,000+ at 5.15% | Yes | — |
| The Standard | Multi-Choice 5 10% Withdrawal Provision | 5.45% | 5.45% | $100,000+ | $15,000+ at 5.15% | No | — |
| American General Life Insurance Company | American Pathway VisionMYG 5 | 5.40% | 5.40% | $25,000+ | Same | Yes | — |
| Corebridge Financial | American Pathway VisionMYG 5 | 5.40% | 5.40% | $100,000+ | $25,000+ at 5.00% | Yes | — |
| Massmutual Ascend Life Insurance Company | SecureGain 5 2025 | 5.40% | 5.40% | $100,000+ | $25,000+ at 5.10% | Yes | — |
| Oceanview Life and Annuity | Harbourview 5 (CA) | 5.35% | 5.35% | $70,000+ | $20,000+ at 5.00% | No | — |
| The Standard | Multi-Choice 5 10% Withdrawal Provision ROP | 5.35% | 5.35% | $100,000+ | $15,000+ at 5.05% | No | Return-of-premium feature |
| Mutual of Omaha | Ultra – Secure Plus 5 | 5.30% | 5.30% | $50,000+ | $5,000+ at 5.15% | Yes | Return-of-premium feature |
| National Life Group | RetireMax Secure 5 | 5.10% | 5.10% | $100,000+ | $25,000+ at 4.80% | No | Loan provision |
| Integrity Life Insurance Company | MultiVantage 5 | 4.85% | 5.65% yr 1 | $20,000+ | Same | Yes | 5.65% first year, then 4.65% |
| Nationwide Life Insurance Company | Secure Growth 5 | 4.80% | 4.80% | $100,000+ | $10,000+ at 4.05% | No | — |
| Guaranty Income Life | Guaranty Rate Lock 5 | 4.60% | 4.60% | $250,000+ | $10,000+ at 4.10% | Yes | — |
| Nationwide Life Insurance Company | Secure Growth 5 ROP | 4.10% | 4.10% | $100,000+ | $10,000+ at 3.85% | No | Return-of-premium feature |
| American Equity Investment Life Insurance Company | GuaranteeShield 5 | 3.75% | 3.75% | $100,000+ | $10,000+ at 3.50% | Yes | — |
6-Year MYGA Rates in California (11 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Oxford Life Insurance Company | Multi-Select 6 | 6.35% | 6.35% | $20,000+ | Same | Yes | — |
| Sagicor Life Insurance Company | Milestone MYGA 6 CA | 5.85% | 5.85% | $100,000+ | $15,000+ at 5.15% | No | — |
| Nassau Life and Annuity Company | Nassau Simple Annuity 6 | 5.80% | 5.80% | $10,000+ | Same | Yes | — |
| Oceanview Life and Annuity | Harbourview 6 (CA) | 5.75% | 5.75% | $70,000+ | $20,000+ at 5.40% | No | — |
| American National Insurance Company | Palladium MYG MAX 6 | 5.72% | 9.90% yr 1 | $250,000+ | $5,000+ at 5.47% | No | 9.90% first year, then 4.90% |
| Equitrust Life Insurance Company | Certainty Select 6 | 5.60% | 5.60% | $10,000+ | Same | No | — |
| American National Insurance Company | Palladium MYG Annuity 6 | 5.57% | 9.75% yr 1 | $250,000+ | $5,000+ at 5.32% | No | 9.75% first year, then 4.75% |
| American General Life Insurance Company | American Pathway VisionMYG 6 | 5.40% | 5.40% | $25,000+ | Same | Yes | — |
| Clear Spring Life | Preserve MYGA 6 | 5.40% | 5.40% | $100,000+ | $10,000+ at 5.10% | Yes | — |
| Corebridge Financial | American Pathway VisionMYG 6 | 5.40% | 5.40% | $100,000+ | $25,000+ at 5.00% | Yes | — |
| Guaranty Income Life | Guaranty Rate Lock 6 | 3.90% | 3.90% | $250,000+ | $10,000+ at 3.40% | Yes | — |
7-Year MYGA Rates in California (42 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Oxford Life Insurance Company | Multi-Select 7 | 6.20% | 6.20% | $20,000+ | Same | Yes | — |
| Aspida | Synergy Choice 7 | 6.15% | 6.15% | $100,000+ | $25,000+ at 6.00% | Yes | — |
| Symetra Life Insurance Company | Symetra Select Max 7 | 6.10% | 6.10% | $100,000+ | $10,000+ at 5.90% | No | — |
| Global Atlantic Financial Group | SecureFore 7 | 6.00% | 6.00% | $100,000+ | $10,000+ at 5.80% | No | — |
| Symetra Life Insurance Company | Symetra Select Pro 7 | 6.00% | 6.00% | $100,000+ | $10,000+ at 5.80% | No | — |
| Sagicor Life Insurance Company | Milestone MYGA 7 CA | 5.95% | 5.95% | $100,000+ | $15,000+ at 5.45% | No | — |
| Reliance Standard Life | Reliance Guarantee – 7 | 5.90% | 5.90% | $20,000+ | Same | Yes | — |
| Protective Life | Secure Saver 7 | 5.90% | 5.90% | $75,000+ | $10,000+ at 4.75% | Yes | — |
| Athene IA | Athene Max Rate 7 (state specific) | 5.90% | 5.90% | $100,000+ | $10,000+ at 5.60% | Yes | — |
| Nassau Life and Annuity Company | Nassau MYAnnuity 7X 0% Free | 5.85% | 5.85% | $10,000+ | Same | Yes | — |
| Delaware Life | Pinnacle Plus MYGA 7 | 5.85% | 5.85% | $100,000+ | $25,000+ at 5.60% | Yes | — |
| Mutual of Omaha | Ultra Premier 7 | 5.75% | 5.75% | $25,000+ | Same | Yes | — |
| Symetra Life Insurance Company | Symetra Select Pro 7 GROP | 5.70% | 5.70% | $100,000+ | $10,000+ at 5.50% | No | Return-of-premium feature |
| Securian Financial | SecureOption Choice 7 CA | 5.70% | 5.70% | $500,000+ | $25,000+ at 5.40% | No | — |
| Nassau Life and Annuity Company | Nassau MYAnnuity 7X 10% Free | 5.65% | 5.65% | $10,000+ | Same | Yes | — |
| Axonic Insurance | Waypoint 7 MYGA | 5.65% | 5.65% | $100,000+ | $20,000+ at 5.30% | Yes | — |
| Corebridge Financial | American Pathway Fixed 7 Annuity with MVA | 5.60% | 5.60% | $100,000+ | $25,000+ at 5.30% | Yes | — |
| Fidelity & Guaranty Life | FG Guarantee-Platinum 7 | 5.55% | 5.55% | $20,000+ | Same | No | — |
| Mutual of Omaha | Ultra – Secure Plus 7 | 5.55% | 5.55% | $50,000+ | $5,000+ at 5.40% | Yes | Return-of-premium feature |
| Corebridge Financial | American Pathway Fixed 7 Annuity | 5.55% | 5.55% | $100,000+ | $25,000+ at 5.25% | No | — |
| Corebridge Financial | American Pathway Fixed 7 Annuity – GROP with MVA | 5.55% | 5.55% | $100,000+ | $25,000+ at 4.85% | Yes | Return-of-premium feature |
| American National Insurance Company | Palladium MYG MAX 7 | 5.55% | 5.55% | $250,000+ | $5,000+ at 5.30% | No | — |
| Oceanview Life and Annuity | Harbourview 7 (CA) | 5.50% | 5.50% | $70,000+ | $20,000+ at 5.15% | No | — |
| Ibexis | MYGA Plus 7 (Simple Interest) CA | 5.50% | 6.50% | $100,000+ | $10,000+ at 5.25% | No | Simple interest |
| Massmutual Ascend Life Insurance Company | SecureGain 7 2025 | 5.45% | 5.45% | $100,000+ | $25,000+ at 5.15% | Yes | — |
| American National Insurance Company | Palladium MYG Annuity 7 | 5.45% | 5.45% | $250,000+ | $5,000+ at 5.20% | No | — |
| American General Life Insurance Company | American Pathway VisionMYG 7 | 5.40% | 5.40% | $25,000+ | Same | Yes | — |
| Clear Spring Life | Preserve MYGA 7 | 5.40% | 5.40% | $100,000+ | $10,000+ at 5.10% | Yes | — |
| Corebridge Financial | American Pathway VisionMYG 7 | 5.40% | 5.40% | $100,000+ | $25,000+ at 5.05% | Yes | — |
| American National Insurance Company | Palladium Match MYG Annuity 7 | 5.40% | 5.40% | $250,000+ | $5,000+ at 5.15% | No | — |
| Corebridge Financial | American Pathway Fixed 7 Annuity – GROP | 5.35% | 5.35% | $100,000+ | $25,000+ at 4.80% | No | Return-of-premium feature |
| The Standard | Focused Growth Annuity 7 | 5.35% | 5.35% | $100,000+ | $15,000+ at 5.05% | No | — |
| The Standard | Multi-Choice 7 | 5.30% | 5.30% | $100,000+ | $15,000+ at 5.00% | No | — |
| The Standard | Multi-Choice 7 Interest Only Withdrawals | 5.25% | 5.25% | $100,000+ | $15,000+ at 4.95% | No | — |
| The Standard | Multi-Choice 7 10% Withdrawal Provision | 5.20% | 5.20% | $100,000+ | $15,000+ at 4.90% | No | — |
| The Standard | Multi-Choice 7 10% Withdrawal Provision ROP | 5.10% | 5.10% | $100,000+ | $15,000+ at 4.80% | No | Return-of-premium feature |
| Integrity Life Insurance Company | MultiVantage 7 | 4.69% | 5.55% yr 1 | $20,000+ | Same | Yes | 5.55% first year, then 4.55% |
| Guaranty Income Life | Guaranty Rate Lock 7 | 4.60% | 4.60% | $250,000+ | $10,000+ at 4.10% | Yes | — |
| Integrity Life Insurance Company | SPDA Series II 7 | 4.59% | 5.45% yr 1 | $3,000+ | Same | No | 5.45% first year, then 4.45%; Return-of-premium feature |
| Nationwide Life Insurance Company | Secure Growth 7 | 4.35% | 4.35% | $100,000+ | $10,000+ at 4.10% | No | — |
| Nationwide Life Insurance Company | Secure Growth 7 ROP | 4.15% | 4.15% | $100,000+ | $10,000+ at 3.90% | No | Return-of-premium feature |
| Securian Financial | SecureOption Focus 7 (ROP) | 3.75% | 3.75% | $100,000+ | $10,000+ at 3.45% | No | Return-of-premium feature |
8-Year MYGA Rates in California (5 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Oxford Life Insurance Company | Multi-Select 8 | 6.45% | 6.45% | $20,000+ | Same | Yes | — |
| Equitrust Life Insurance Company | Certainty Select 8 | 5.65% | 5.65% | $10,000+ | Same | No | — |
| Clear Spring Life | Preserve MYGA 8 | 5.40% | 5.40% | $100,000+ | $10,000+ at 5.10% | Yes | — |
| American National Insurance Company | Palladium MYG Annuity 8 | 5.30% | 5.30% | $250,000+ | $5,000+ at 5.05% | No | — |
| Guaranty Income Life | Guaranty Rate Lock 8 | 3.90% | 3.90% | $250,000+ | $10,000+ at 3.40% | Yes | — |
9-Year MYGA Rates in California (6 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Oxford Life Insurance Company | Multi-Select 9 | 6.30% | 6.30% | $20,000+ | Same | Yes | — |
| Securian Financial | SecureOption Choice 9 CA | 5.70% | 5.70% | $500,000+ | $25,000+ at 5.40% | No | — |
| Royal Neighbors of America | MYGA 9 Year CA | 5.60% | 5.60% | $100,000+ | $10,000+ at 5.40% | No | — |
| Clear Spring Life | Preserve MYGA 9 | 5.40% | 5.40% | $100,000+ | $10,000+ at 5.10% | Yes | — |
| American National Insurance Company | Palladium MYG Annuity 9 | 5.30% | 5.30% | $250,000+ | $5,000+ at 5.05% | No | — |
| Guaranty Income Life | Guaranty Rate Lock 9 | 3.90% | 3.90% | $250,000+ | $10,000+ at 3.40% | Yes | — |
10-Year MYGA Rates in California (14 products)
| Carrier | Product | Guaranteed yield | Rate | Deposit for this rate | Lowest entry | MVA | Notes |
|---|---|---|---|---|---|---|---|
| Oxford Life Insurance Company | Multi-Select 10 | 6.35% | 6.35% | $20,000+ | Same | Yes | — |
| Reliance Standard Life | Reliance Guarantee – 10 | 5.90% | 5.90% | $20,000+ | Same | Yes | — |
| Delaware Life | Pinnacle Plus MYGA 10 | 5.85% | 5.85% | $100,000+ | $25,000+ at 5.60% | Yes | — |
| Oceanview Life and Annuity | Harbourview 10 (CA) | 5.80% | 5.80% | $70,000+ | $20,000+ at 5.45% | No | — |
| American General Life Insurance Company | American Pathway VisionMYG 10 | 5.75% | 5.75% | $25,000+ | Same | Yes | — |
| Corebridge Financial | American Pathway VisionMYG 10 | 5.75% | 5.75% | $100,000+ | $25,000+ at 5.05% | Yes | — |
| Equitrust Life Insurance Company | Certainty Select 10 | 5.70% | 5.70% | $10,000+ | Same | No | — |
| Axonic Insurance | Waypoint 10 MYGA | 5.60% | 5.60% | $100,000+ | $20,000+ at 5.25% | Yes | — |
| American National Insurance Company | Palladium MYG MAX 10 | 5.45% | 5.45% | $250,000+ | $5,000+ at 5.20% | No | — |
| Clear Spring Life | Preserve MYGA 10 | 5.40% | 5.40% | $100,000+ | $10,000+ at 5.10% | Yes | — |
| American National Insurance Company | Palladium MYG Annuity 10 | 5.30% | 5.30% | $250,000+ | $5,000+ at 5.05% | No | — |
| Integrity Life Insurance Company | MultiVantage 10 | 4.80% | 5.70% yr 1 | $20,000+ | Same | Yes | 5.70% first year, then 4.70% |
| Guaranty Income Life | Guaranty Rate Lock 10 | 3.90% | 3.90% | $250,000+ | $10,000+ at 3.40% | Yes | — |
| American General Life Insurance Company | Assured Edge Income Achiever | 2.00% | 2.00% | $25,000+ | Same | Yes | — |
Rate Changes Coming This Week
Several carriers on this page have rate changes scheduled. Any of the rates above from these carriers may move up or down on the dates shown:
- Oct 13, 2026: Aspida, Protective Life
- Oct 15, 2026: Integrity Life Insurance Company, National Integrity Life Insurance, Oceanview Life and Annuity, Oxford Life Insurance Company, Securian Financial, Symetra Life Insurance Company
- Oct 16, 2026: Americo (Legacy), Heartland National
If one of these products fits your plans, ask me about the carrier’s rate-lock rules. Many carriers honor the current rate if the application is submitted before the change takes effect.
Best Rates If You Have $10,000 to Invest
You don’t need a six-figure deposit to get a competitive guaranteed rate. These are the highest yields in California this week for products that accept $10,000 or less:
- 3 years: Equitrust Life Insurance Company Certainty Select 3 — 5.50% (from $10,000)
- 4 years: Nassau Life and Annuity Company Nassau Simple Annuity 4 — 5.55% (from $10,000)
- 5 years: Reliance Standard Life Eleos MVA 5 — 5.85% (from $10,000)
- 6 years: Nassau Life and Annuity Company Nassau Simple Annuity 6 — 5.80% (from $10,000)
- 7 years: Symetra Life Insurance Company Symetra Select Max 7 — 5.90% (from $10,000)
- 8 years: Equitrust Life Insurance Company Certainty Select 8 — 5.65% (from $10,000)
- 9 years: Royal Neighbors of America MYGA 9 Year CA — 5.40% (from $10,000)
- 10 years: Equitrust Life Insurance Company Certainty Select 10 — 5.70% (from $10,000)
How to Read These Rates
What is a MYGA?
A multi-year guaranteed annuity (MYGA) locks in an interest rate for a set number of years, much like a CD issued by an insurance company. Your money grows tax-deferred, and the rate can’t drop during the guarantee period. Learn more about how fixed annuities work.
Guaranteed yield vs. the stated rate
I rank every table by guaranteed yield, not the headline rate, because the headline rate can mislead. 7 products on this page pay a higher first-year rate and a lower rate afterward, so their yield over the full term is well below the first-year number. A few credit simple interest instead of compound interest: Ibexis MYGA Plus 7 (Simple Interest) CA shows a 6.50% rate, but its yield over the term is 5.50%.
Premium bands
Many carriers pay more for larger deposits. The same product might pay one rate at $25,000 and a higher rate at $100,000 or $250,000. That’s why each row shows both the deposit needed for the best rate and the lowest deposit the product accepts.
Market value adjustments (MVA)
85 of the 177 products listed include a market value adjustment. If you withdraw more than the penalty-free amount before the term ends, an MVA can raise or lower your surrender value depending on how interest rates have moved since you bought. If you hold to the end of the term, the MVA doesn’t apply. MVA products often pay a little more in exchange.
California-specific products
Insurers must get each product approved state by state, and some file separate California versions with different terms, often marked “(CA).” Some of the highest rates advertised nationally aren’t available here at all. Every product on this page is filtered to California.
Why rates change
Carriers adjust MYGA rates as bond yields and competition shift, sometimes several times a month. The rate you lock in at application is the one that matters, which is why I update this page every week.
Frequently Asked Questions
What is the highest fixed annuity rate in California right now?
As of October 12, 2026, the highest guaranteed yield on a MYGA available in California is 6.45% for 8 years (Oxford Life Insurance Company Multi-Select 8), with a minimum deposit of $20,000.
What is the best 5-year MYGA rate in California?
The best 5-year guaranteed yield in California this week is 6.10% (Aspida Synergy Choice 5), with a minimum deposit of $100,000 for that rate.
Are fixed annuity rates in California different from other states?
Yes. Insurers must get each product approved by state, and some top nationally advertised products are not available in California or are offered in California-specific versions. Every rate on this page is for products available to California residents.
How much money do I need to buy a MYGA in California?
Minimums on this page start at $3,000, and many products accept $10,000 to $25,000. The highest rates usually require $100,000 or more.
Is a MYGA safe?
A MYGA’s guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company, so it’s worth checking each carrier’s financial strength rating. The California Life and Health Insurance Guarantee Association also provides limited protection if an insurer fails.
Get a Rate Quote for Your Situation
The best rate on paper isn’t always the best fit. Free withdrawals, surrender charges, the death benefit and the carrier’s financial strength all matter. As an independent agent, I compare these products across carriers for your deposit and timeline. Request a free annuity quote and I’ll send you a side-by-side comparison.
New to annuities? Start with What Is an Annuity, or see how a fixed index annuity compares to a MYGA.
Source: AnnuityRateWatch.com carrier data via AIP Marketing Alliance, retrieved October 12, 2026. Rates, availability, and features change without notice and must be verified with the issuing carrier at application. Products sold only through fee-based advisory accounts are excluded.
Kevin Edwards, Integrity Now Insurance Brokers. California Insurance License #0D42517. Annuities are insurance products, not bank deposits, and are not FDIC insured. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Withdrawals before the end of the surrender period may be subject to surrender charges and market value adjustments; withdrawals of taxable amounts may be subject to ordinary income tax and, if taken before age 59½, a 10% federal tax penalty. This page is for educational purposes and is not tax or legal advice. Product availability and features vary by state.