RATE DECREASE EFFECTIVE 08/28/24 FOR ALL EQUITRUST ANNUITIES
EquiTrust is changing rates for all annuities
Transition rules
To receive the current rates, all application paperwork must be received by EquiTrust via mail, fax, E-Application or Upload a Doc no later than 5:00 p.m. Central, Tuesday, August 27, 2024 (the day before the new rates are effective).
Rate hold
If the initial premium is not received with the application but is received within 60 calendar days, the contract will be credited with the higher of the rates on the date of receipt of the application or the rates for new issues on the date the premium is received.
Updated rates as of 08/28/24
View the updated Interest Rate Summary with 08/28/24 rates.
| MarketPower Bonus Index® (Fixed index annuity) | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 3.25% | 3.50% |
| S&P 500 1-Yr Pt-to-Pt Cap | 6.00% | 7.00% |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 5.00% | 6.00% |
| S&P 500 1-Yr Monthly Avg Cap | 7.00% | 8.00% |
| S&P 500 1-Yr Monthly Avg Par | 65.00% | 75.00% |
| S&P 500 1-Yr Monthly Cap | 1.75% | 1.85% |
| S&P 500 2-Yr Monthly Avg Cap | 17.00% | 18.00% |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 50.00% | 60.00% |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 125.00% | 135.00% |
| Barclays Focus50 2-Yr Pt-to-Pt Par | 170.00% | 180.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 140.00% | 150.00% |
| MarketTen Bonus Index® (Fixed index annuity) | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 3.25% | 3.50% |
| S&P 500 1-Yr Pt-to-Pt Cap | 6.00% | 7.00% |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 5.00% | 6.00% |
| S&P 500 1-Yr Monthly Avg Cap | 7.00% | 8.00% |
| S&P 500 1-Yr Monthly Avg Par | 65.00% | 75.00% |
| S&P 500 1-Yr Monthly Cap | 1.75% | 1.85% |
| S&P 500 2-Yr Monthly Avg Cap | 17.00% | 18.00% |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 50.00% | 60.00% |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 125.00% | 135.00% |
| Barclays Focus50 2-Yr Pt-to-Pt Par | 170.00% | 180.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 140.00% | 150.00% |
| MarketValue Index® (Fixed index annuity) | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.50% | 4.75% |
| S&P 500 1-Yr Pt-to-Pt Cap | 8.00% | 9.00% |
| S&P S&P 500 1-Yr Pt-to-Pt Par | 45.00% | 50.00% |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 7.00% | 8.00% |
| S&P 500 1-Yr Monthly Avg Cap | 11.00% | 12.00% |
| S&P 500 1-Yr Monthly Avg Par | 80.00% | 100.00% |
| S&P 500 1-Yr Monthly Cap | 2.15% | 2.35% |
| S&P 500 2-Yr Monthly Avg Cap | 18.00% | 20.00% |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 70.00% | 75.00% |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 170.00% | 175.00% |
| Barclays Focus50 2-Yr Pt-to-Pt Par | 215.00% | 225.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 190.00% | 200.00% |
| MarketSeven Index® (Fixed index annuity) | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.50% | 4.75% |
| S&P 500 1-Yr Pt-to-Pt Cap | 8.00% | 9.00% |
| S&P 500 1-Yr Pt-to-Pt Par | 45.00% | 50.00% |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 7.00% | 8.00% |
| S&P 500 1-Yr Monthly Avg Cap | 11.00% | 12.00% |
| S&P 500 1-Yr Monthly Avg Par | 80.00% | 100.00% |
| S&P 500 1-Yr Monthly Cap | 2.15% | 2.35% |
| S&P 500 2-Yr Monthly Avg Cap | 18.00% | 20.00% |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 70.00% | 75.00% |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 170.00% | 175.00% |
| Barclays Focus50 2-Yr Pt-to-Pt Par | 215.00% | 220.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 190.00% | 200.00% |
| MarketFive Index™ (Fixed index annuity) | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.25% | 4.40% |
| S&P 500 1-Yr Pt-to-Pt Cap | 7.50% | 8.50% |
| S&P 500 1-Yr Pt-to-Pt Par | 45.00% | 50.00% |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 6.50% | 8.00% |
| S&P 500 1-Yr Monthly Avg Cap | 9.00% | 12.00% |
| S&P 500 1-Yr Monthly Avg Par | 75.00% | 90.00% |
| S&P 500 1-Yr Monthly Cap | 2.00% | 2.35% |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 65.00% | 75.00% |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 160.00% | 170.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 180.00% | 190.00% |
| MarketForce Bonus Index® (Rate buy-up fixed index annuity) | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 3.00% | 3.30% |
| S&P 500 1-Yr Pt-to-Pt Cap | 5.00% | 6.00% |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 4.50% | 5.50% |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 50.00% | 55.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 130.00% | 145.00% |
| S&P 500 1-Yr Pt-to-Pt Cap with fee | 8.00% | 8.50% |
| S&P 500 1-Yr Pt-to-Pt Par with fee | 50.00% | 55.00% |
| Barclays Focus50 1-Yr Pt-to-Pt Par with fee | 170.00% | 180.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par with fee | 190.00% | 200.00% |
| MarketMax Index™ (Rate buy-up fixed index annuity) | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.25% | 4.50% |
| S&P 500 1-Yr Pt-to-Pt Cap | 7.50% | 9.00% |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 6.50% | 8.00% |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 65.00% | 75.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 180.00% | 190.00% |
| S&P 500 1-Yr Pt-to-Pt Cap with fee | 9.00% | 11.00% |
| S&P 500 1-Yr Pt-to-Pt Par with fee | 55.00% | 65.00% |
| Barclays Focus50 1-Yr Pt-to-Pt Par with fee | 200.00% | 210.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par with fee | 225.00% | 235.00% |
| Bridge® (Fixed index annuity with long-term care benefits) | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.50% | 5.00% |
| S&P 500 1-Yr Pt-to-Pt Cap | 8.00% | 10.00% |
| S&P 500 1-Yr Pt-to-Pt Par | 45.00% | 50.00% |
| S&P 500 1-Yr Monthly Avg Par | 80.00% | 100.00% |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 145.00% | 150.00% |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 170.00% | 175.00% |
| Certainty Select® Annuity (Multi-year guarantee annuity) | ||
| Guaranteed period | New rate | Previous rate |
| 3-year | 5.10% | 5.25% |
| 5-year | 5.20% | 5.35% |
| 6-year | 5.25% | 5.40% |
| 8-year | 5.35% | 5.50% |
| 10-year | 5.45% | 5.60% |
| ChoiceFour® Annuity (Traditional fixed annuity) | ||
| Annuity option | New rate | Previous rate |
| Base contract | 4.75% | 5.00% |
| MVA option | 4.75% | 5.00% |
| Liquidity option | 4.25% | 4.50% |
| MVA + Liquidity option | 4.25% | 4.50% |
| Confidence Income® Annuity (Single-premium immediate annuity) Monthly guaranteed payment on $100,000 premium |
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| Annuity option | New payment | Previous payment |
| 5-year fixed period | $1,826.81 | $1,839.40 |
| 10-year fixed period | $1,039.18 | $1,052.74 |
| 15-year fixed period | $783.24 | $797.78 |
| 20-year fixed period | $649.78 | $675.53 |
| Life only — Male 65 | $652.29 | $655.22 |
| Life only — Female 65 | $602.32 | $605.22 |
| Joint life — M65/F65 | $537.37 | $540.19 |
