Rate decrease effective 10/21/2025
EquiTrust is decreasing rates on MarketEdge Bonus Index™, MarketPower Bonus Index®, Certainty Select® and ChoiceFour®.
View the updated Interest Rate Summary with 10/21/2025 rates.
MarketEdge Bonus Index™
MarketEdge Bonus Index crediting rates
Crediting strategy | New rate | Previous rate |
1-Yr Interest | 2.25% | 2.75% |
S&P 500 1-Yr Pt-to-Pt Cap | 4.50% | 5.50% |
S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 6.50% | 7.50% |
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 | 3.50% | 3.75% |
S&P 500 1-Yr Pt-to-Pt Cap | 6.00% | 6.50% |
S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 8.00% | 8.50% |
S&P 500 1-Yr Pt-to-Pt Par with Buy-Up | 50.00% | 52.00% |
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 |
Certainty Select®
Certainty Select crediting rates
Guaranteed period | New rate | Previous rate |
3-year | 5.00% | 5.25% |
5-year | 5.25% | 5.50% |
6-year | 5.35% | 5.60% |
8-year | 5.40% | 5.65% |
10-year | 5.50% | 5.75% |
ChoiceFour®
ChoiceFour crediting rates
Annuity option | New rate | Previous rate |
Base contract | 5.10% | 5.50% |
MVA | 5.10% | 5.50% |
Liquidity | 4.60% | 5.00% |
Liquidity + MVA | 4.60% | 5.00% |
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, October 20, 2025 (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.