Rate decrease effective March 10, 2026
EquiTrust is decreasing rates March 10, 2026 on some of the strategies on various fixed index annuity products, Certainty Select® and ChoiceFour® Traditional Fixed Annuity.
View the updated Interest Rate Summary with March 10, 2026 rates.
MarketEdge Bonus Index
MarketEdge Bonus Index crediting rates
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 2.00% | 2.25% |
| S&P 500 1-Yr Pt-to-Pt Cap | 4.00% | 4.50% |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 6.50% | No change |
| S&P 500 1-Yr Pt-to-Pt Par with Buy-Up | 40.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 4.00% | No change |
| S&P 500 1-Yr Monthly Avg Par | 45.00% | No change |
| S&P 500 1-Yr Monthly Cap | 1.50% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 35.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 50.00% | No change |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 100.00% | No change |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 90.00% | No change |
MarketPower Bonus Index
MarketPower Bonus Index crediting rates
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 3.25% | 3.50% |
| S&P 500 1-Yr Pt-to-Pt Cap | 5.75% | 6.00% |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 8.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Par with Buy-Up | 50.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 5.25% | No change |
| S&P 500 1-Yr Monthly Avg Par | 70.00% | No change |
| S&P 500 1-Yr Monthly Cap | 2.25% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 60.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 80.00% | No change |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 160.00% | No change |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 140.00% | No change |
MarketTen Bonus Index
MarketTen Bonus Index crediting rates
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 3.25% | 3.50% |
| S&P 500 1-Yr Pt-to-Pt Cap | 5.75% | 6.00% |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 8.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Par with Buy-Up | 50.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 5.00% | No change |
| S&P 500 1-Yr Monthly Avg Par | 65.00% | No change |
| S&P 500 1-Yr Monthly Cap | 2.00% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 55.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 75.00% | No change |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 150.00% | No change |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 130.00% | No change |
MarketValue Index
MarketValue Index crediting rates
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 5.00% | 5.25% |
| S&P 500 1-Yr Pt-to-Pt Cap | 9.25% | 10.00% |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 12.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Par with Buy-Up | 70.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 8.00% | No change |
| S&P 500 1-Yr Monthly Avg Par | 100.00% | No change |
| S&P 500 1-Yr Monthly Cap | 3.00% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 85.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 115.00% | No change |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 225.00% | No change |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 190.00% | No change |
MarketSeven Index
MarketSeven Index crediting rates
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.75% | 5.00% |
| S&P 500 1-Yr Pt-to-Pt Cap | 9.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 11.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Par with Buy-Up | 65.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 7.00% | No change |
| S&P 500 1-Yr Monthly Avg Par | 90.00% | No change |
| S&P 500 1-Yr Monthly Cap | 2.75% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 80.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 110.00% | No change |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 200.00% | No change |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 180.00% | No change |
MarketFive Index
MarketFive Index crediting rates
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.50% | 4.75% |
| S&P 500 1-Yr Pt-to-Pt Cap | 8.50% | No change |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 10.50% | No change |
| S&P 500 1-Yr Pt-to-Pt Par with Buy-Up | 60.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 6.50% | No change |
| S&P 500 1-Yr Monthly Avg Par | 85.00% | No change |
| S&P 500 1-Yr Monthly Cap | 2.50% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 75.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 100.00% | No change |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 190.00% | No change |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 170.00% | No change |
Certainty Select
Certainty Select crediting rates
| Guaranteed period | New rate | Previous rate |
| 3-year | 4.80% | 5.00% |
| 5-year | 5.05% | 5.25% |
| 6-year | 5.15% | 5.35% |
| 8-year | 5.20% | 5.40% |
| 10-year | 5.30% | 5.50% |
ChoiceFour
ChoiceFour crediting rates
| Annuity option | New rate | Previous rate |
| Base contract | 5.00% | 5.10% |
| MVA | 5.00% | 5.10% |
| Liquidity | 4.50% | 4.60% |
| Liquidity + MVA | 4.50% | 4.60% |
Transition rules
To receive the current rates, applications must be received by EquiTrust via mail, fax, E-Application or Upload a Doc no later than 5:00 p.m. Central time, Monday, March 9, 2026 (the day before the new rates are effective). Applications are not accepted via email.
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 and the rates for new issues on the date the premium is received.
Questions?
Contact Sales Support at 866-598-3694 or Sales.Support@EquiTrust.com, or complete the form below.Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
