Teachers Personal Annuity Fixed Account

The Teachers Personal Annuity Fixed Account is offered by TIAA as a tax-deferred account for after-tax investing. It provides a highly competitive fixed rate of return, plus the opportunity for additional interest from earnings over and above the amounts needed to meet contractual guarantees. The account guarantees your principal and a minimum interest rate during the accumulation period, backed by TIAA's claims-paying ability. Contracts issued prior to 03/01/2004 have a guaranteed minimum interest rate of 3%. Contracts issued after 02/29/2004 have a lower guaranteed minimum interest rate which varies by state of issue. Please call 1 800 223-1200 for the guaranteed minimum in your state.

Teachers Personal Annuity Fixed Account
	For premiums applied and earnings from those premiums
	(effective through 04/30/2010)
Interest Rates^*
Teachers Personal Annuity Fixed Account**	View Rates (PDF)

*	The Teachers Personal Annuity Fixed Account provides the opportunity for additional interest on top of a guaranteed minimum. Additional interest comes from earnings over and above the amounts needed to meet contractual guarantees. These rates do not apply to accumulations in the variable components of the annuity.
**	Current effective annual rate credited on new fixed account premiums. This rate is subject to change.

TIAA (Teachers Insurance and Annuity Association), 730 Third Avenue, New York, NY 10017 issues Teachers Personal Annuity contracts.

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