Best MYGA Rates in South Carolina – July 2026
If you’re looking for a safe way to earn a guaranteed interest rate without stock market risk, a Multi-Year Guaranteed Annuity (MYGA) may be an excellent option. MYGAs provide a fixed interest rate for a selected period, helping protect your principal while offering predictable growth.
At Mintco Financial, we compare MYGA rates from multiple highly rated insurance companies serving South Carolina to help you find the best option based on your financial goals.
Current MYGA Rates Available in South Carolina
2-Year MYGA
| Company | AM Best | Rate | Minimum Premium |
|---|---|---|---|
| American National – Palladium MYGA | A | 5.00% | $100,000 |
3-Year MYGA
| Company | AM Best | Rate |
|---|---|---|
| Heartland National Secure Rate Pro | B++ | 5.80% |
| Farmers Life Safeguard Plus | B++ | 5.65% |
| Axonic Waypoint | A- | 5.50% |
| ELCO Mutual Guardian Eagle | B++ | 5.25% |
| American National Palladium MYGA | A | 5.25% |
5-Year MYGA
| Company | AM Best | Rate |
|---|---|---|
| Heartland National Secure Rate Pro | B++ | 6.10% |
| Farmers Life Safeguard Plus | B++ | 6.00% |
| Axonic Waypoint | A- | 5.80% |
| ELCO Mutual Guardian Eagle | B++ | 5.50% |
| Royal Neighbors MYGA | A | 5.50% |
6-Year MYGA
| Company | AM Best | Rate |
|---|---|---|
| Oxford Life Multi-Select | A | 5.70% |
7-Year MYGA
| Company | AM Best | Rate |
|---|---|---|
| Heartland National Secure Rate Pro | B++ | 6.10% |
| Farmers Life Safeguard Plus | B++ | 5.95% |
| Heartland National Secure Rate | B++ | 5.60% |
| Sagicor Milestone MAX | A- | 5.60% |
| Oceanview Harbourview | A | 5.50% |
10-Year MYGA
| Company | AM Best | Rate |
|---|---|---|
| Heartland National Secure Rate Pro | B++ | 6.15% |
| Farmers Life Safeguard Plus | B++ | 6.05% |
| Oceanview Harbourview | A | 5.80% |
| Heartland National Secure Rate | B++ | 5.70% |
| Royal Neighbors MYGA | A | 5.65% |
Why Consider a MYGA?
- Guaranteed fixed interest rate for the selected term.
- Protection from stock market losses.
- Tax-deferred growth until withdrawals begin.
- Multiple term lengths available.
- Ideal for conservative retirement savings.
- Suitable for IRA and non-qualified funds (depending on the carrier).
Which MYGA Is Right for You?
The highest interest rate isn’t always the best choice. When selecting a MYGA, it’s also important to consider:
- Financial strength of the insurance company.
- Surrender charge schedule.
- Withdrawal flexibility.
- Minimum premium requirements.
- Your retirement income goals.
An independent annuity broker can compare multiple insurance companies and help you determine which MYGA best fits your financial objectives.
Compare MYGA Rates in South Carolina
Compare today’s highest Multi-Year Guaranteed Annuity (MYGA) rates from multiple top-rated insurance companies. Let Mintco Financial help you find the best guaranteed rate for your retirement goals.
Mintco Financial
Independent Retirement & Annuity Broker Serving South Carolina
GA rates available in South Carolina.