Rethink the rate
Earn nearly 3x the national average rate on CDs or money market accounts.1
Gains now, taxes later
Defer taxes on growth during your peak earning years.
Protected growth + guarantees
No risk of losing principal due to market downturn—with rates guaranteed up to 7 years.
Liquidity
Access up to 10% each year with no fee or penalty.2
Grow money faster
Money may grow 4x faster than a CD or money market account.1
How could an annuity add up for you?
Amount
Term Length
For illustrative purposes only. Hypothetical example assumes a 3-year MYGA with a 4.15% fixed rate with no withdrawals taken. CD rate is based on the national average of a 3-year yield of 1.68%, per Bankrate. Money Market rate is based on the national average of 0.47%, per Bankrate. Rates as of 10/3/2025 and subject to change.
To illustrate the potential value of tax deferral, the CD and Money Market account values include a hypothetical reduction due to taxes, paid from withdrawals to the interest credited to the account every year, with the remaining balance after taxes reinvested at the end of each year at the same rate. The assumed tax rate for this hypothetical is 24%. Taxes may be paid from other sources, which may result in relatively higher returns than demonstrated in this hypothetical. No income taxes are reflected in the MYGA value shown; actual taxes may be due upon distribution.
For illustrative purposes only. Hypothetical example assumes a 5-year MYGA with a 4.50% fixed rate with no withdrawals taken. CD rate is based on the national average of a 5-year yield of 1.70%, per Bankrate. Money Market rate is based on the national average of 0.47%, per Bankrate. Rates as of 10/3/2025 and subject to change.
To illustrate the potential value of tax deferral, the CD and Money Market account values include a hypothetical reduction due to taxes, paid from withdrawals to the interest credited to the account every year, with the remaining balance after taxes reinvested at the end of each year at the same rate. The assumed tax rate for this hypothetical is 24%. Taxes may be paid from other sources, which may result in relatively higher returns than demonstrated in this hypothetical. No income taxes are reflected in the MYGA value shown; actual taxes may be due upon distribution.
For illustrative purposes only. Hypothetical example assumes a 7-year MYGA with a 4.50% fixed rate with no withdrawals taken. CD rate is based on the national average of a 5-year yield of 1.70%, per Bankrate. Money Market rate is based on the national average of 0.47%, per Bankrate. Rates as of 10/3/2025 and subject to change.
To illustrate the potential value of tax deferral, the CD and Money Market account values include a hypothetical reduction due to taxes, paid from withdrawals to the interest credited to the account every year, with the remaining balance after taxes reinvested at the end of each year at the same rate. The assumed tax rate for this hypothetical is 24%. Taxes may be paid from other sources, which may result in relatively higher returns than demonstrated in this hypothetical. No income taxes are reflected in the MYGA value shown; actual taxes may be due upon distribution.
How do options for growing your money compare?
Athene MYGA Series
Certificate of Deposit (CD)
Penalties apply
Money Market Account
Athene is the top seller of annuities in the US today3
Our financial performance is evaluated annually by independent rating agencies. These ratings reflect our ability to meet ongoing obligations to our customers.4
AM Best
as of 8/2025
Outlook: Stable
S&P
as of 1/2024
Outlook: Stable
Fitch
as of 8/2025
Outlook: Stable
Moody's
as of 7/2025
Outlook: Stable
What can you do next?
- Contact your financial professional. Don’t have one? Let us help!
- Determine how much to allocate and select term length.
- See your money work harder for you.
FAQs
Both options credit interest generally the same: They both offer a set rate and term length, and you aren’t at risk for losing your initial amount due to market downturn. Both offer guarantees that are backed by either FDIC or the insurer. The FDIC insures up to certain limits for each depositor per bank. Insurers’ guarantees are based on their claim paying ability. Third party industry analysts provide ratings to help individuals understand an insurers’ financial strength and abilities.
As a savings account issued by a bank, a CD is generally better for short- to medium-term savings goals. A fixed annuity is issued by an insurance company and is generally used for long-term goals.
For any option, you’ll want to work with your financial or tax professional to consider your goals and how interest rate, liquidity, taxes, fees and penalties may affect your decision.
With a fixed annuity, you can generally withdraw up to 10% each year without penalty. Annuities are long-term retirement savings accounts so access to the full value before age 59½ may be subject to subject to tax and a penalty, and, compared to a bank account, may require longer processing time.
Withdrawals from a CD are subject to bank approval and penalties, such as forfeiture of a portion to a year's worth of interest, generally apply. Additionally, funds may not be available immediately. Money market accounts generally allow convenient access to funds through checks, transfers, or debit cards. There are no early withdrawal penalties, though yields can fluctuate and minimum balances may apply.
Earnings on an annuity are not taxed until you withdraw funds, letting your money grow tax-deferred can make a big difference over time.
Imagine having a CD and a fixed annuity with a guaranteed rate. Each year, the CD will be taxed on the interest while the annuity is tax-deferred. Using the national average for a 5-year CD and Athene's 5-year MYGA rate, you can double your money over 20 years.
If you are in your peak earning years, deferring taxes can help you keep more now and potentially pay less later when you may likely be in a lower tax bracket.
Annuities are growing as an efficient, widely adopted solution to make money work harder in a variety of situations. For someone with a longer savings timeline who does not plan to withdraw funds, it may be helpful to consider the impact of inflation on earnings over time, the advantage of tax-deferral during peak earning years, and higher growth potential of an annuity.
Athene helps people plan for their financial futures with confidence. As a leading seller of annuities3 in the US, we transform our deep experience, expertise and financial strength into solutions that help people discover financial well-being.