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Interest Rates for the TIAA Traditional Annuity
Accumulating Stage Interest Rates1
From 03/01/09 to 02/28/10
For Premiums Applied2 RA, GRA & RC SRA, GSRA & RCP IRA & Keogh
05/01/09 - 07/31/09 3.65% 3.00% 3.00%
02/01/09 - 04/30/09 4.00    3.00    3.00   
11/01/08 - 01/31/09 4.50    3.00    3.00   
10/01/08 - 10/31/08 4.50    3.50    3.50   
07/01/08 - 09/30/08 5.00    4.25    4.25   
05/01/08 - 06/30/08 4.75    4.00    4.00   
01/01/07 - 04/30/08 4.25    3.50    3.50   
10/01/06 - 12/31/06 4.00    3.25    3.25   
04/01/06 - 09/30/06 4.25    3.50    3.50   
01/01/03 - 03/31/06 3.75    3.00    3.00   
01/01/02 - 12/31/02 4.00    3.25    3.25   
01/01/00 - 12/31/01 4.25    3.50    3.50   
Pre-2000 3.75    3.00    3.00   
Payout Stage Interest Rates for Lifetime Annuities Issued During July 20093
For Benefits Arising From:
Interest Rates
2009 vintages
4.50%
2008 vintages
4.00   
2003 - 2007 vintages
3.75   
1992 - 2002 vintages
4.00   
Pre-1992 vintages
6.00   

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Interest Rates for the TIAA Stable Return Annuity
Accumulating Stage Interest Rates4, 5
For Premiums Applied: From 03/01/09 to 02/28/10
07/01/09 - 07/31/09
1.75%
03/01/09 - 06/30/09
2.25   
07/01/06 - 02/28/09
2.50   

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  1. Interest credited to TIAA Traditional Annuity accumulations includes a guaranteed rate, plus additional amounts that are established on a year-by-year basis. The guaranteed annual interest rate is 3% for all premiums remitted since 1979 under all TIAA Traditional Annuity accumulating contracts, except that for Retirement Choice and Retirement Choice Plus Annuities the guaranteed rate is between 1% and 3%, as specified in the contract. The additional amounts, when declared, remain in effect through the "declaration year," which begins each March 1.
  2. For accumulations other than Retirement Choice (RC) and Retirement Choice Plus (RCP), the above rates also apply to additional amounts credited during each period.
  3. Actual annuity income amounts are based on these interest rates and assumed mortality rates. Rates apply to annuities using the Standard Payment Method. First-year benefits under the Graded Payment Method are based on a 4 percent additional amount rate. Payments in subsequent years using the Graded Payment Method increase to reflect the difference between the Standard Payment Method additional amount rate that would have applied in the prior year and 4 percent.
  4. The TIAA Stable Return Annuity may not be available under the terms of your employer's plan.

    Interest credited to TIAA Stable Return Annuity accumulations includes a guaranteed rate plus additional amounts that are established on a year-to-year basis. The guaranteed annual interest rate is between 1% and 3%, as specified in the contract. The additional amounts when declared remain in effect through the end of the "declaration year," which begins each March 1.
  5. New funds applied to TIAA Stable Return Annuity from July 1, 2009 through July 31, 2009 will be credited with the indicated rates until February 28, 2010. Funds transferred to TIAA Stable Return between July 1, 2009 and July 31, 2009 will begin earning interest at the beginning of the next calendar day following the effective date of the transfer, and will be credited with the indicated rates through February 28, 2010.

TIAA Traditional and TIAA Stable Return are guaranteed insurance contracts and not investments for Federal Securities Law purposes.

Annuity products are issued by TIAA (Teachers Insurance and Annuity Association), New York, NY.

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