RATE INCREASE EFFECTIVE 5/20/25
For some EquiTrust FIAs and ChoiceFour
New rates apply to contracts with effective dates on or after May 20, 2025.
Updated rates as of 5/20/2025
View the updated Interest Rate Summary with 5/20/2025 rates.
| MarketEdge Bonus Index™ | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 2.50% | 2.00% |
| S&P 500 1-Yr Pt-to-Pt Cap | 5.00% | 3.50% |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 7.00% | 5.00% |
| S&P 500 1-Yr Pt-to-Pt Par with Buy-Up | 35.00% | No change |
| S&P 500 1-Yr Pt-to-Pt Performance Trigger | 3.50% | 3.00% |
| S&P 500 1-Yr Monthly Avg Par | 40.00% | No change |
| S&P 500 1-Yr Monthly Cap | 1.25% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 30.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 45.00% | No change |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 85.00% | No change |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 80.00% | No change |
| MarketValue Index® | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.50% | No change |
| S&P 500 1-Yr Pt-to-Pt Cap | 10.00% | 8.00% |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 12.00% | 10.50% |
| 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 | 80.00% | No change |
| S&P 500 1-Yr Monthly Cap | 2.15% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 70.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 95.00% | 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 |
| MarketSeven Index® | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.50% | No change |
| S&P 500 1-Yr Pt-to-Pt Cap | 9.00% | 8.00% |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 11.00% | 10.50% |
| 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 | 80.00% | No change |
| S&P 500 1-Yr Monthly Cap | 2.15% | No change |
| S&P 500 Dynamic Intraday TCA 1-Yr Pt-to-Pt Par | 70.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 95.00% | 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 |
| MarketFive Index™ | ||
| Crediting strategy | New rate | Previous rate |
| 1-Yr Interest | 4.25% | No change |
| S&P 500 1-Yr Pt-to-Pt Cap | 8.00% | 7.50% |
| S&P 500 1-Yr Pt-to-Pt Cap with Buy-Up | 10.00% | 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 | 75.00% | 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 | 65.00% | No change |
| S&P 500 Dynamic Intraday TCA 2-Yr Pt-to-Pt Par | 90.00% | No change |
| S&P MARC 5% ER 1-Yr Pt-to-Pt Par | 180.00% | No change |
| Barclays Focus50 1-Yr Pt-to-Pt Par | 160.00% | No change |
| ChoiceFour® | ||
| Annuity option | New rate | Previous rate |
| Base contract | 4.75% | 4.50% |
| MVA | 4.75% | 4.50% |
| Liquidity | 4.25% | 4.00% |
| Liquidity + MVA | 4.25% | 4.00% |
