A promise of steady, reliable growth
We believe that saving for retirement can happen predictably, simply and with less anxiety.
When structured with the help of an Advisor, funded and allowed to grow long-term, a Single Premium Deferred Annuity (SPDA) can provide income that you can’t outlive.
Make a one‑time lump‑sum payment—minimum $10,000 or more—using cash, a retirement account rollover, inheritance, CD, account transfer or from other sources, then allow your money to grow long-term at guaranteed minimum fixed rates. There’s no need to chase rates or stress over market performance. This annuity is a stable, secure method of wealth accumulation.
Your principal is protected from market volatility and grows tax-deferred, which can be advantageous if the annuity becomes a source of regular income for your retirement.
Talk with your local Member Advisor to learn how a SPDA can provide for your future needs.
As of July 1, 2026, the initial fixed interest rate is 5.50%, guaranteed minimum for the first contract year; 4.50% guaranteed minimum for years 2–5 and 2.75% guaranteed minimum for year 6 and beyond. The interest rate will never fall below the guaranteed minimum rate stated in the contract. Interest is determined by the receipt date and compounds monthly.
Important Advisories: Important Advisories • Prospective members will be provided, at or prior to application, a copy of the Buyer’s Guide to Annuities and a Preliminary Contract Summary. • Surrender charges and/or government penalties may apply to withdrawals. • The deferral period is the time between annuity purchase and the start of income payments. During this period, funds accumulate on a tax-deferred basis. The length of the deferral period depends on the contract and age at purchase. • Current rates are effective July 1, 2026, and are subject to change without notice. • Withdrawals may be taxable. Distributions taken prior to age 59½ may be subject to a 10% federal tax penalty. Members should consult a qualified tax advisor regarding their specific situation. • This annuity is not FDIC insured, not a deposit, not insured by any federal government agency, and not guaranteed by any bank or bank affiliate. • For complete details, including limitations and exclusions, please refer to the contract and contact
your advisor or call 800-568-6670.
Single Premium Deferred Annuity ICC10 SPDA-5.
15-0028-06/76