What Are Annuities Paying? 
You always need to check with your annuity provider before using any quotes . Currently : the 5 year rate is 2.95 % , the 7 year is 3.20 % and the ten year rate is 3.25 % . It doesnt make much sense to lock down a ten year rate for an extra 35 basis points over the five year rate . The recent Fed statements have generated speculation that rates in 2014 are going to rise . 