Oklahoma MYGA rates
Weekly Oklahoma MYGA rates
Week ending August 21, 2026 (historical snapshot)
5%+ Guaranteed Rates Remain Widely Available in Oklahoma This week's Oklahoma MYGA report highlights some of the strongest guaranteed fixed annuity rates currently available from highly rated insurance companies. If you're comparing CDs, looking for guaranteed growth, or planning for retirement income, this report provides a snapshot of current opportunities. Rates are subject to change and availability may vary.
Top rate for the week ending August 21, 2026: 5.60% for 4 years (Oceanview Life and Annuity).
Rates and product availability may change. Actual availability depends on carrier, product, state, premium, and current carrier requirements.
Top guaranteed rates by term
Rates available to Oklahoma residents for the week ending August 21, 2026.
| Term | Guaranteed rate | Carrier and product | Minimum premium | Rating | Withdrawal provisions |
|---|---|---|---|---|---|
| 2 years | 5.05% | Oceanview Life and Annuity | $70,000 | AA.M. Best | 10% free withdrawal |
| 3 years | 5.30% | Athene | $100,000 | A+A.M. Best | Interest-only withdrawals |
| 4 years | 5.60% | Oceanview Life and Annuity | $70,000 | AA.M. Best | 10% free withdrawal |
| 5 years | 5.50% | Protective Life | $75,000 | A+A.M. Best | 10% free withdrawal per year |
| 7 years | 5.45% | Mutual of Omaha | $25,000 | A+A.M. Best | 10% free withdrawal per year |
| 10 years | 5.50% | Reliance Standard Life | $20,000 | A++A.M. Best | 10% free withdrawal per year |
Scott’s notes on this week
The headline rates are still impressive, but I wouldn’t choose a MYGA based on rate alone. This week’s report shows rates above 6%, but it also shows a broad selection of 5%+ options from A-, A and A+ rated carriers. That creates some interesting choices. A slightly lower rate may come with a stronger carrier rating, better liquidity provisions, or a guarantee period that fits your plans better. When I compare MYGAs, I’m looking at the whole contract — not just which number happens to be at the top of the rate sheet. The highest rate may be the best fit. It just isn’t automatically the best fit.
How these rates are compiled
- These rates are informational. They are not binding quotes or offers.
- Rates and product availability change, sometimes within the same week, and carriers can withdraw products without notice.
- Final eligibility, rate, and contract terms can only be confirmed through a carrier-approved quote and application.
- Scott Stewart reviews each week's figures against carrier or distributor documentation before publication.
- Request current confirmation before acting on any figure shown here.
Common questions
- How often are these Oklahoma MYGA rates updated?
- Rates are reviewed regularly and updated when meaningful changes occur. Because rates can change at any time, use the live comparison tool to see what is available today.
- Are MYGA rates guaranteed for the full term?
- Yes. With a multi-year guaranteed annuity the stated interest rate is guaranteed by the issuing insurance company for the entire term you select. Guarantees are backed solely by the claims-paying ability of that carrier.
- Can I withdraw money before the term ends?
- Most contracts allow a limited penalty-free withdrawal each year, commonly the interest earned or a set percentage of the account value. Withdrawals beyond that amount are generally subject to surrender charges, and withdrawals before age 59 and a half may carry a tax penalty.
Previous weeks
- Week ending October 9, 2026View report
- Week ending October 2, 2026View report
- Week ending September 25, 2026View report
- Week ending September 18, 2026View report
- Week ending September 4, 2026View report
- Week ending August 28, 2026View report
- Week ending August 21, 2026Viewing
- Week ending August 14, 2026View report
- Week ending August 7, 2026View report
Want to know which of these fits your situation?
Rates are only part of the decision. Compare guaranteed options side by side, or reach out and we can walk through it together.
Important disclosures
Rates shown are current as of the date indicated and are subject to change without notice. Product and rate availability varies by state and by carrier, and may be withdrawn at any time. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Annuities are not bank deposits, are not FDIC insured, and are not guaranteed by any federal government agency. Withdrawals in excess of the contract's penalty-free amount may be subject to surrender charges and market value adjustments, and withdrawals before age 59 and a half may be subject to an additional 10 percent federal tax penalty. This page is for informational purposes and is not a recommendation to purchase any specific product.