A fixed rate that doesn't change with the stock market or the economy, with tax-deferred growth and the option to turn it into income you can't outlive.
Rates effective October 14, 2026 and subject to change. Rates have been trending down.
Enter your amount and see a guaranteed 7-year annuity next to a typical 7-year bank CD, where the interest is taxed every year.
Hypothetical illustration for education only. Annuity rate 5.90% on $100,000+ (5.55% under $100,000), Athene MaxRate 7, rates as of 10/14/2026 and subject to change. CD example uses 4.00%, the top of the roughly 3.75% to 4.00% range typical for 7-year CDs, with 22% federal income tax paid on the interest each year (state tax not included). Assumes annual compounding and no withdrawals. The annuity value is before taxes, which are due on the interest when withdrawn. CDs are FDIC insured up to applicable limits; annuities are not. Not a guarantee of any contract value.
5.90% guaranteed for all 7 years on $100,000+ (5.55% under $100,000), locked in when your contract is issued.
No tax on the interest until you take it out, so your interest keeps earning interest on the full amount.
One rate for 7 years. No rolling CDs over every year or two and hoping rates hold.
| Athene MaxRate 7 (MYGA) | Bank CD | |
|---|---|---|
| Rate | ✓5.90% ($100k+) / 5.55%, guaranteed 7 years | Set by the bank, often for shorter terms |
| Taxes on interest | ✓Tax-deferred until withdrawn | Taxed every year, even if you don't touch it |
| Yearly access | ✓Withdraw up to the interest rate times your value each year, no withdrawal charge | Early withdrawal penalty set by the bank |
| Income option | ✓Can be turned into guaranteed lifetime income | No |
| Extra protections | ✓Confinement & terminal illness waivers, full-value death benefit | Varies by bank |
| Backed by | The financial strength and claims-paying ability of Athene, rated A+ | FDIC insurance, up to its limits |
| Larger withdrawals | 10% withdrawal charge on amounts above the free amount in years 1 to 7; 10% IRS penalty may apply before 59½ | Bank's early withdrawal penalty |
Tell us about your CD or savings. We look at your goals and whether this fits.
Your guaranteed rate is set when your contract is issued, for the full 7 years.
Interest compounds without yearly taxes. Take the interest each year if you'd like.
Take your full value, keep it growing, or turn it into guaranteed income.
Your rate is guaranteed no matter what the stock market or the economy does, because the annuity doesn't participate in stock or equity investments.
Fixed on your initial premium for the whole 7-year term.
Withdraw up to the rate times your value each year, no charge. IRA RMDs always free.
At maturity, turn it into guaranteed income for a set period or for life.
After year one, confinement and terminal illness waivers, if eligible.
The death benefit pays your beneficiary the full accumulated value.
$5,000 to $1 million, issue ages 0 to 83. New York only.
Tell us a little about your CD or savings. A licensed agent will show you exactly how this would work for you and answer every question.
A Multi-Year Guarantee Annuity is a fixed annuity that pays a guaranteed interest rate for a set number of years. With Athene MaxRate 7, the rate on your initial premium is guaranteed for 7 years.
Yes. The rate on your initial premium is guaranteed for the full 7-year term by Athene Annuity & Life Assurance Company of New York, subject to the company's financial strength and claims-paying ability. It doesn't change with the stock market or the economy.
Each year you can withdraw up to the interest rate times your value with no withdrawal charge, and IRA required minimum distributions are always free. Larger withdrawals during the first 7 years have a 10% withdrawal charge, and taxable withdrawals before 59½ may have a 10% IRS penalty.
Your full value is available with no withdrawal charge. You can take it, leave it growing, or turn it into guaranteed income.
Yes. Since IRAs are already tax-deferred, there's no extra tax benefit, but you keep the guaranteed rate, income options and death benefit.
Rates are subject to change and have been coming down. Your rate is set when your contract is issued.