Top MYGA Rates 2026 in North Carolina (Pinehurst, Cary, Raleigh)
If you’re searching for the best MYGA rates in North Carolina for 2026, you’re looking at one of the most attractive fixed-income environments in over a decade. Many retirees in Pinehurst, Cary, and Raleigh NC are locking in guaranteed rates while they remain elevated.
MYGA rates in 2026 are still strong due to higher interest rate environments. However, rates can change quickly, so timing matters when locking in a contract.
🔥 Current MYGA Rate Ranges (North Carolina – 2026)
| Term | Typical Rates | Top Rates (2026) |
|---|---|---|
| 2-Year MYGA | ~4.5% – 5.4% | Up to ~5.40% |
| 3-Year MYGA | ~5.2% – 6.0% | Up to ~6.00% |
| 5-Year MYGA | ~5.6% – 6.3% | Up to ~6.30%+ |
| 7-Year MYGA | ~5.5% – 6.2% | Up to ~6.10% |
| 10-Year MYGA | ~5.3% – 5.9% | ~5.85%+ |
🏆 Example of Top MYGA Carriers (2026)
- Canvas / Puritan Life – up to ~6.10%
- Fidelity Security Life – ~5.65%
- Oceanview Life – ~5.55%+
- Revol One – ~5.85%
- EquiTrust – ~5.05%–5.30%
📈 Why MYGA Rates Are Still High in 2026
MYGA rates are driven by bond yields and interest rate policy. After several years of higher rates, insurance companies can offer significantly better guarantees than in prior years.
- 5-year MYGAs often near or above 6%
- Some products reaching 6.30%+
- Highest levels seen in over a decade
💡 Strategy Insight: The 5-Year Sweet Spot
Many investors in Pinehurst, Cary, and Raleigh are focusing on 5-year MYGAs because they offer:
- Competitive top-tier rates
- Flexibility compared to longer contracts
- Ability to reinvest if rates stay elevated
⚠️ Important: Rates Change Frequently
The best MYGA today may not be available next month. Always verify current rates and compare carriers before making a decision.
Compare the Best MYGA Rates in North Carolina (2026)
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Disclosure: This content is for informational and educational purposes only and should not be considered financial, investment, legal, or tax advice. Annuities are insurance products issued by insurance companies and are subject to the claims-paying ability of the issuing carrier. Guarantees are based on the financial strength of the insurer.
Rates are subject to change at any time and may vary based on age, premium, state availability, and product features. Surrender charges, withdrawal limitations, fees, and other conditions may apply. Early withdrawals may be subject to penalties, including IRS penalties if taken before age 59½.
Mintco Financial does not provide tax or legal advice. You should consult with a qualified financial professional before making any financial decisions and review all contract terms carefully before purchasing any annuity product.