Best Fixed Annuity Rates for March 2026

Earn APYs over 5.00% with guaranteed returns

Compare fixed annuities from top-rated insurance companies with tax-deferred growth and guaranteed principal protection

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A fixed annuity is a contract with an insurance company that guarantees a fixed interest rate on your investment for a set period, offering predictable, tax-deferred growth.

Annuity earnings grow tax-deferred. You only pay income taxes when you withdraw funds, which can help your money compound faster over time.

Most fixed annuities have a surrender period (typically 3-10 years). Withdrawing early may incur surrender charges, and withdrawals before age 59½ may face a 10% IRS penalty.

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Tax-Deferred Growth

Fixed annuities let your earnings compound without annual taxes eating into your returns — helping your money grow faster.

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Frequently Asked Questions

Get answers to common questions about fixed annuities

Both offer guaranteed returns, but fixed annuities are issued by insurance companies and grow tax-deferred, while CDs are bank products insured by the FDIC. Annuities often offer higher rates for longer terms, but may have surrender charges for early withdrawal.

Fixed annuities are backed by the issuing insurance company’s claims-paying ability. Companies rated A or higher by A.M. Best have a strong track record of meeting obligations. While not FDIC-insured, state guaranty associations provide an additional layer of protection.

A surrender period is the timeframe (typically 3-10 years) during which withdrawing more than the allowed amount from your annuity triggers a surrender charge. Most annuities allow penalty-free withdrawals of up to 10% of your balance annually.

Minimum deposits vary by carrier and product, but typically range from $10,000 to $100,000. Some products may have lower minimums. The offers listed on this page display the minimum deposit for each product.

Your principal is guaranteed by the insurance company, so you won’t lose money due to market downturns. However, early withdrawals during the surrender period may reduce your returns due to surrender charges.

Most fixed annuities include a death benefit that pays your beneficiaries the account value (or sometimes the original investment, whichever is greater). The specific terms depend on the contract, so it’s important to review the beneficiary provisions.

Fixed annuities are ideal if you want guaranteed returns for 3+ years, prefer tax-deferred growth, have already maxed out IRA/401(k) contributions, or want to protect a portion of your retirement savings from market risk.