When Will Annuity Rates Go Up? 
No one is a prognosticator in predicating when and if interest rates go up . But if annuity sales trends -LRB- five year guaranteed rate annuities -RRB- are any indication , then perhaps in five years or less -LRB- 2.95 % for five years . -RRB- Long term fixed interest rate annuities , currently at 3.25 % for ten years is too long if rates start moving up and your annuity has punitive surrender charges if you want to move . 