Menu for the “Performance & Rates” section.

  • Change Text Size

Interest Rates for September 2017

Use the drop-down list below or scroll down the page to browse rates. Please note, an (*) indicates the product is not currently marketed

CPIU Factor for Purchasing Power Protector
Product Name Interest Rate
CPIU Factor for Purchasing Power Protector 1.72%
Commander*
Product Name Interest Rate
1 year 3.00% (Not available for new business issed after April 11, 2003.)
Commander 403(b) Loan Rate 4.01%
Commander Collateral Fund Rate 2.51%
Diversifier I*
Product Name Interest Rate
One Month Account 0.75% (Flex) 0.45% (Non-Flex)
Two Year Account 1.58% (Flex) 1.18% (Non-Flex)
Three Year Account 1.67% (Flex) 1.27% (Non-Flex)
Flexible Deposit Account 2.25% (Flex) n/a
Five Year Account 2.50% (Flex) 2.15% (Non-Flex)
Smart Foundation Advisory VA
Product Name Interest Rate
6 month DCA/New Money Rate 1.00%
12 month DCA/New Money Rate 1.00%
3 Year 1.00%
5 Year 1.00%
7 Year 1.00%
Minimum Guaranteed Rate 1.00%
Inflation Factor 1.72%
Diversifier II*
Product Name Interest Rate
Holding Account 4.00% (Rate is for the calendar year 2016. Not available for new business issued after April 11, 2003.)
1 year Indexed 4.00% (Rate applies to policy durations 1-7. Not available for new business issued after April 11, 2003.)
1 year 4.00% (Rate applies to policy durations 8 and later. Not available for new business issued after April 11, 2003.)
3 year 4.00% (Not available for new business issued after April 11, 2003.)
5 year 4.00% (Not available for new business issued after April 11, 2003.)
7 year 4.00% (Not available for new business issued after April 11, 2003.)
Div II 403(b) Loan Rate 4.01%
Div II Collateral Fund Rate 1.51%
Enhanced Credit VA/Olympia XT*
Product Name Interest Rate
6 month DCA/New Money Rate 3.00%
12 month DCA/New Money Rate 3.00%
1 year 3.00% (Not available for new business issued after April 11, 2003.)
Enhanced Credit/Olympia 403(b) Loan Rate 4.01%
Enhanced Credit/Olympia Collateral Fund Rate 2.51%
Deferred Retirement Annuity
Product Name Interest Rate
DRA 3.00% (Rate is for the calendar year 2016.)
FPDA*
Product Name Interest Rate
Qualified 4.00%
Non-Qualified 4.00%
Flexible Premium Fixed Deferred Annuity
Product Name Interest Rate
Base Rate 1.00% (Where approved)
First Year Bonus Level 1 0.50% (Where approved)
First Year Declared Rate Level 1 1.50% (Where approved)
First Year Bonus Level 2 0.50% (Level 2 applies to first year deposits greater than $500,000.)
First Year Declared Rate Level 2 1.50% (Level 2 applies to first year deposits greater than $500,000.)
Minimum Guaranteed Rate 1.00% (Rate is for the second quarter of 2016.)
September 2016 Issue Renewal Rate 1.00% (Where approved)
September 2015 Issue Renewal Rate 1.00% (Where approved)
September 2014 Issue Renewal Rate 1.00% (Where approved)
September 2013 Issue Renewal Rate 1.00% (Where approved)
September 2012 Issue Renewal Rate 1.00% (Where approved)
September 2011 Issue Renewal Rate 1.00% (Where approved)
September 2010 Issue Renewal Rate 1.00% (Where approved)
September 2009 Issue Renewal Rate 1.75% (Where approved)
September 2008 Issue Renewal Rate 2.70% (Where approved)
September 2007 Issue Renewal Rate 2.75% (Where approved)
September 2006 Issue Renewal Rate 2.40% (Where approved)
September 2005 Issue Renewal Rate 2.25% (Where approved)
Guaranteed Foundation Fixed Annuity
Product Name Interest Rate
(High Band applies to total purchase payments of $100,000+ and Low Band applies to total purchase payments under $100,000)
5 Year Account - Base Rate (High Band) 2.15%
5 Year Account - Base Rate (Low Band) 1.95%
5 Year Account - First Year Bonus 0.00%
5 Year Account - First Year Declared Rate (High Band) 2.15%
5 Year Account - First Year Declared Rate (Low Band) 1.95%
5 Year Account - Minimum Guaranteed Rate 1.00%
6 Year Account - Base Rate (High Band) 2.20%
6 Year Account - Base Rate (Low Band) 2.00%
6 Year Account - First Year Bonus 0.00%
6 Year Account - First Year Declared Rate (High Band) 2.20%
6 Year Account - First Year Declared Rate (Low Band) 2.00%
6 Year Account - Minimum Guaranteed Rate 1.00%
7 Year Account - Base Rate (High Band) 2.20%
7 Year Account - Base Rate (Low Band) 2.00%
7 Year Account - First Year Bonus 0.00%
7 Year Account - First Year Declared Rate (High Band) 2.20%
7 Year Account - First Year Declared Rate (Low Band) 2.00%
7 Year Account - Minimum Guaranteed Rate 1.00%
8 Year Account - Base Rate (High Band) 2.25%
8 Year Account - Base Rate (Low Band) 2.05%
8 Year Account - First Year Bonus 0.00%
8 Year Account - First Year Declared Rate (High Band) 2.25%
8 Year Account - First Year Declared Rate (Low Band) 2.05%
8 Year Account - Minimum Guaranteed Rate 1.00%
9 Year Account - Base Rate (High Band) 2.25%
9 Year Account - Base Rate (Low Band) 2.05%
9 Year Account - First Year Bonus 0.00%
9 Year Account - First Year Declared Rate (High Band) 2.25%
9 Year Account - First Year Declared Rate (Low Band) 2.05%
9 Year Account - Minimum Guaranteed Rate 1.00%
10 Year Account - Base Rate (High Band) 2.35%
10 Year Account - Base Rate (Low Band) 2.15%
10 Year Account - First Year Bonus 0.00%
10 Year Account - First Year Declared Rate (High Band) 2.35%
10 Year Account - First Year Declared Rate (Low Band) 2.15%
10 Year Account - Minimum Guaranteed Rate 1.00%
Inflation Protector VA*
Product Name Interest Rate
6 month DCA/New Money Rate 1.00%
12 month DCA/New Money Rate 1.00%
Minimum Guaranteed Rate 1.00% (Not available for new business issed after January 29, 2015)
Inflation Factor 1.72%
Olympia XT Advisor*
Product Name Interest Rate
1 year 3.00% (Not available for new business issued after April 11, 2003.)
Optimizer*
Product Name Interest Rate
1 month 4.00% (Rate is for the calendar year 2016.)
1 year 4.00% (Rate is for the second quarter of 2016.)
3 year 4.00% (Rate is for the second quarter of 2016.)
Optimizer Loan Rate 7.00%
Optimizer Collateral Fund Rate 4.00%
Deferred Retirement Annuity
Product Name Interest Rate
DRA 3.00% (Rate is for the calendar year 2016.)
Optional Deferred Income*
Product Name Interest Rate
ODI 3.50% (Rate is for the calendar year 2016.)
PIRAP/FPA/Group Flexible Annuity*
Product Name Interest Rate
HR-10 3.50% (Rate is for the second quarter of 2016.)
TDA 3.50% (Rate is for the second quarter of 2016.)
IRA 3.50% (Rate is for the second quarter of 2016.)
Penn Fixed Advantage*
Product Name Interest Rate
Base Rate 3.00% (Not available for new business issued after May 11, 2003.)
September 2016 Issue Renewal Rate 3.00%
September 2015 Issue Renewal Rate 3.00%
September 2014 Issue Renewal Rate 3.00%
September 2013 Issue Renewal Rate 3.00%
September 2012 Issue Renewal Rate 3.00%
September 2011 Issue Renewal Rate 3.00%
September 2010 Issue Renewal Rate 3.00%
September 2009 Issue Renewal Rate 3.00%
September 2008 Issue Renewal Rate 3.00%
September 2007 Issue Renewal Rate 3.00%
September 2006 Issue Renewal Rate 3.00%
September 2005 Issue Renewal Rate 3.00%
September 2004 Issue Renewal Rate 3.00%
September 2003 Issue Renewal Rate 3.00%
Penn Freedom Advisor*
Product Name Interest Rate
1 year 3.00% (Not available for new business issued after April 11, 2003.)
Pennant (PIA)*
Product Name Interest Rate
1 year 3.00% (Not available for new business issued after April 11, 2003.)
3 year 3.00% (Not available for new business issued after April 11, 2003.)
5 year 3.00% (Not available for new business issued after April 11, 2003.)
7 year 3.00% (Not available for new business issued after April 11, 2003.)
Pennant Loan Rate 4.01%
Pennant Collateral Fund Rate 1.51%
Pennant Select*
Product Name Interest Rate
6 month DCA/New Money Rate 3.00%
12 month DCA/New Money Rate 3.00%
1 year 3.00% (Not available for new business issued after April 11, 2003.)
Pennant Select 403(b) Loan Rate 4.01%
Pennant Select Collateral Fund Rate 2.51%
Premier Foundation Flex Indexed Annuity
Product Name Interest Rate
(High Band applies to total purchase payments of $100,000+ and Low Band applies to total purchase payments under $100,000)
5 Year Fixed Account - (High Band) 1.80%
5 Year Fixed Account - (Low Band) 1.60%
Minimum Guaranteed Rate 1.00%
Minimum Guaranteed Surrender Value 1.00%
5 Year Indexed Account - 1 Yr S&P 500 Cap (High Band) 3.90%
5 Year Indexed Account - 1 Yr S&P 500 Cap (Low Band) 3.40%
September 2016 Issue Renewal - 1 Yr S&P 500 Cap (High Band) 4.00%
September 2016 Issue Renewal - 1 Yr S&P 500 Cap (Low Band) 3.50%
September 2015 Issue Renewal - 1 Yr S&P 500 Cap (High Band) 4.50%
September 2015 Issue Renewal - 1 Yr S&P 500 Cap (Low Band) 4.00%
5 Year Indexed Account - 1 Yr Global BMI Cap (High Band) 3.50%
5 Year Indexed Account - 1 Yr Global BMI Cap (Low Band) 3.00%
September 2016 Issue Renewal - 1 Yr Global BMI Cap (High Band) 3.60%
September 2016 Issue Renewal - 1 Yr Global BMI Cap (Low Band) 3.10%
September 2015 Issue Renewal - 1 Yr Global BMI Cap (High Band) 4.10%
September 2015 Issue Renewal - 1 Yr Global BMI Cap (Low Band) 3.60%
Inflation Factor 1.72%
Premier Foundation Indexed Annuity
Product Name Interest Rate
(High Band applies to total purchase payments of $100,000+ and Low Band applies to total purchase payments under $100,000)
8 Year Fixed Account - (High Band) 1.90%
8 Year Fixed Account - (Low Band) 1.70%
Minimum Guaranteed Rate 1.00%
Minimum Guaranteed Surrender Value 1.00%
8 Year Indexed Account - 1 Yr S&P 500 Cap (High Band) 4.10%
8 Year Indexed Account - 1 Yr S&P 500 Cap (Low Band) 3.60%
September 2016 Issue Renewal - 1 Yr S&P 500 Cap (High Band) 4.20%
September 2016 Issue Renewal - 1 Yr S&P 500 Cap (Low Band) 3.70%
September 2015 Issue Renewal - 1 Yr S&P 500 Cap (High Band) 4.75%
September 2015 Issue Renewal - 1 Yr S&P 500 Cap (Low Band) 4.25%
8 Year Indexed Account - 1 Yr Global BMI Cap (High Band) 3.70%
8 Year Indexed Account - 1 Yr Global BMI Cap (Low Band) 3.20%
September 2016 Issue Renewal - 1 Yr Global BMI Cap (High Band) 3.80%
September 2016 Issue Renewal - 1 Yr Global BMI Cap (Low Band) 3.30%
September 2015 Issue Renewal - 1 Yr Global BMI Cap (High Band) 4.35%
September 2015 Issue Renewal - 1 Yr Global BMI Cap (Low Band) 3.85%
Inflation Factor 1.72%
Premier Foundation Plus Indexed Annuity
Product Name Interest Rate
(High Band applies to total purchase payments of $100,000+ and Low Band applies to total purchase payments under $100,000)
10 Year Fixed Account - (High Band) 1.95%
10 Year Fixed Account - (Low Band) 1.75%
Minimum Guaranteed Rate 1.00%
Minimum Guaranteed Surrender Value 1.00%
10 Year Indexed Account - 1 Yr S&P 500 Cap (High Band) 4.15%
10 Year Indexed Account - 1 Yr S&P 500 Cap (Low Band) 3.65%
September 2016 Issue Renewal - 1 Yr S&P 500 Cap (High Band) 4.20%
September 2016 Issue Renewal - 1 Yr S&P 500 Cap (Low Band) 3.70%
September 2015 Issue Renewal - 1 Yr S&P 500 Cap (High Band) 4.80%
September 2015 Issue Renewal - 1 Yr S&P 500 Cap (Low Band) 4.30%
10 Year Indexed Account - 1 Yr Global BMI Cap (High Band) 3.75%
10 Year Indexed Account - 1 Yr Global BMI Cap (Low Band) 3.35%
September 2016 Issue Renewal - 1 Yr Global BMI Cap (High Band) 3.80%
September 2016 Issue Renewal - 1 Yr Global BMI Cap (Low Band) 3.30%
September 2015 Issue Renewal - 1 Yr Global BMI Cap (High Band) 4.40%
September 2015 Issue Renewal - 1 Yr Global BMI Cap (Low Band) 3.90%
Inflation Factor 1.72%
Retirement Planner VA
Product Name Interest Rate
6 month DCA/New Money Rate 1.00% (Actual rate may vary according to the guarantee rate present on each individual contract)
1 year 1.00%
3 year 1.00%
5 year 1.00%
7 year 1.00%
Minimum Guaranteed Rate 1.00% (Rate is for the second quarter of 2016.)
Retirement Planner VA 403(b) Loan Rate 4.01%
Retirement Planner VA Collateral Fund Rate 2.51%
Smart Foundation Prime VA
Product Name Interest Rate
6 month DCA/New Money Rate 1.00%
12 month DCA/New Money Rate 1.00%
3 Year 1.00%
5 Year 1.00%
7 Year 1.00%
Minimum Guaranteed Rate 1.00%
Inflation Factor 1.72%
Smart Foundation Plus VA
Product Name Interest Rate
6 month DCA/New Money Rate 1.00%
12 month DCA/New Money Rate 1.00%
3 Year 1.00%
5 Year 1.00%
7 Year 1.00%
Minimum Guaranteed Rate 1.00%
Inflation Factor 1.72%
Smart Foundation Flex VA
Product Name Interest Rate
6 month DCA/New Money Rate 1.00%
12 month DCA/New Money Rate 1.00%
3 Year 1.00%
5 Year 1.00%
7 Year 1.00%
Minimum Guaranteed Rate 1.00%
Inflation Factor 1.72%
SPDA*
Product Name Interest Rate
Qualified 4.00% (Rate is for the calendar year 2016.)
Non-Qualified 4.00% (Rate is for the calendar year 2016.)
Single Premium Fixed Deferred Annuity*
Product Name Interest Rate
September 2014 Issue Renewal Rate 3.00%
September 2013 Issue Renewal Rate 3.00%
September 2012 Issue Renewal Rate 3.00%
September 2011 Issue Renewal Rate 3.00%
September 2010 Issue Renewal Rate 3.00%
September 2009 Issue Renewal Rate 3.00%
September 2008 Issue Renewal Rate 3.00%
September 2007 Issue Renewal Rate 3.00%
September 2006 Issue Renewal Rate 3.00%
September 2005 Issue Renewal Rate 3.00%
TradeWind*
Product Name Interest Rate
September 2002 Issue Renewal Rate 3.00%
September 2001 Issue Renewal Rate 3.00%
September 2000 Issue Renewal Rate 3.00%
September 1999 Issue Renewal Rate 3.00%
September 1998 Issue Renewal Rate 3.00%
September 1997 Issue Renewal Rate 3.00%
September 1996 Issue Renewal Rate 3.00%
Treasury Bill Data
Product Name Interest Rate
Discount Rate 1.20%
Universal Life Insurance Products
Product Name Interest Rate
Accumulation Builder Select Indexed UL – Holding Account 1.00%
Accumulation Builder Select Indexed UL – Fixed Account 4.00%
Accumulation Builder Select Indexed UL – 12 Month DCA Rate 4.00%
Accumulation Builder Select Indexed UL – 1 Yr. S&P 500 Cap 11.25%
Accumulation Builder Select Indexed UL – 1 Yr. S&P 500 Participation Rate 100%
Accumulation Builder Select Indexed UL – High Participation 1 Yr. S&P 500 Cap 9.50%
Accumulation Builder Select Indexed UL – High Participation 1 Yr. S&P 500 Participation Rate 140%
Accumulation Builder Select Indexed UL – 5&1 Yr Blend S&P500 (1 yr segment) Cap 5.75%
Accumulation Builder Select Indexed UL – 5&1 Yr Blend S&P500 (1 yr segment) Participation Rate 100%
Accumulation Builder Select Indexed UL – 5&1 Yr Blend S&P500 (5 yr segment) Cap 80%
Accumulation Builder Select Indexed UL – 5&1 Yr Blend S&P500 (5 yr segment) Participation Rate 100%
Accumulation Builder Select Indexed UL – 1 Yr S&P Global BMI Cap 10.75%
Accumulation Builder Select Indexed UL – 1 Yr S&P Global BMI Participation Rate 100%
Accumulation Builder Select Indexed UL – Indexed Loan Account Cap 10.00%
Accumulation Builder Select Indexed UL – Indexed Loan Account Participation Rate 100%
Accumulation Builder Select Indexed UL – Spread Account Spread 6.00%
Accumulation Builder Select Indexed UL – Spread Account Participation Rate 100%
Accumulation Builder Advantage Indexed UL – Holding Account 1.00%
Accumulation Builder Advantage Indexed UL – Fixed Account 4.00%
Accumulation Builder Advantage Indexed UL – 12 Month DCA Rate 4.00%
Accumulation Builder Advantage Indexed UL – 1 Yr. S&P 500 Cap 11.25%
Accumulation Builder Advantage Indexed UL - 1 Yr. S&P 500 Participation Rate 100%
Accumulation Builder Advantage Indexed UL – High Participation 1 Yr. S&P 500 Cap 9.50%
Accumulation Builder Advantage Indexed UL – High Participation 1 Yr. S&P 500 Participation Rate 140%
Accumulation Builder Advantage Indexed UL – 5&1 Yr. Blend S&P 500 (1 yr segment) Cap 5.75%
Accumulation Builder Advantage Indexed UL - 5&1 Yr. Blend S&P 500 (1 yr segment) Participation Rate 100%
Accumulation Builder Advantage Indexed UL - 5&1 Yr. Blend S&P 500 (5 yr segment) Cap 80.00%
Accumulation Builder Advantage Indexed UL - 5&1 Yr. Blend S&P 500 (5 yr segment) Participation Rate 100%
Accumulation Builder Advantage Indexed UL – 1 Yr. S&P Global BMI Cap 10.75%
Accumulation Builder Advantage Indexed UL - 1 Yr. S&P Global BMI Participation Rate 100%
Accumulation Builder Choice Indexed UL* – Holding Account 1.00%
Accumulation Builder Choice Indexed UL* – Fixed Account 4.00%
Accumulation Builder Choice Indexed UL* – 12 Month DCA Rate 4.00%
Accumulation Builder Choice Indexed UL* – 1 Yr. S&P 500 Cap 12.50%
Accumulation Builder Choice Indexed UL* - 1 Yr. S&P 500 Participation Rate 100%
Accumulation Builder Choice Indexed UL* – High Participation 1 Yr. S&P 500 Cap 10.00%
Accumulation Builder Choice Indexed UL* – High Participation 1 Yr. S&P 500 Participation Rate 150%
Accumulation Builder Choice Indexed UL* – 5&1 Yr. Blend S&P 500 (1 yr segment) Cap 6.00%
Accumulation Builder Choice Indexed UL* - 5&1 Yr. Blend S&P 500 (1 yr segment) Participation Rate 100%
Accumulation Builder Choice Indexed UL* - 5&1 Yr. Blend S&P 500 (5 yr segment) Cap 80.00%
Accumulation Builder Choice Indexed UL* - 5&1 Yr. Blend S&P 500 (5 yr segment) Participation Rate 100%
Accumulation Builder Choice Indexed UL* – 1 Yr. S&P Global BMI Cap 12.00%
Accumulation Builder Choice Indexed UL* - 1 Yr. S&P Global BMI Participation Rate 100%
Accumulation Builder II Indexed UL - Cap* 11.00%
Accumulation Builder II Indexed UL* - Participation Rate 100%
Accumulation Builder II Indexed UL* - Holding Account 2.00%
Accumulation Builder II Indexed UL* - Fixed Account 4.00%
Accumulation Builder II Indexed UL* - 12 Month DCA Rate 4.00%
Accumulation Builder Indexed UL* - Cap 11.00%
Accumulation Builder Indexed UL* - Participation Rate 100%
Accumulation Builder Indexed UL* - Holding Account 2.00%
Accumulation Builder Indexed UL* - Fixed Account 3.10%
Accumulation Builder Indexed UL* - 12 Month DCA Rate 4.00%
Diversified Growth Variable UL Indexed Fixed Account - Cap 11.25%
Diversified Growth Variable UL Indexed Fixed Account - Participation Rate 100%
Diversified Growth Variable UL - Holding Fixed Account 2.00%
Diversified Growth Variable UL - Traditional Fixed Account 3.50%
Diversified Growth Variable UL - 12 Month DCA Rate 4.00%
Survivorship Plus IUL - Cap 11.00%
Survivorship Plus IUL - Participation Rate 100%
Survivorship Plus IUL - Holding Account 2.00%
Survivorship Plus IUL - Fixed Account 3.60%
Survivorship Plus IUL - 12 Month DCA Rate 4.00%
Protection Guard UL 4.50% (New/Renewal)
4.50% (CV Rollover)
Guaranteed Protection Universal Life – Typically sold after Sept. 22, 2014 (ICC14-FL, FL-14, ICC16-PI-FL, PI-FL-16) 3.00% (New/Renewal)
3.00% (CV Rollover)
Guaranteed Protection Universal Life* – Typically sold before Sept. 22, 2014 ( FL-08) 4.00% (New/Renewal)
4.00% (CV Rollover)
Penn Security Whole Life* 4.00% (New/Renewal)
4.00% (CV Rollover)
Protection For Life* 3.00% (New/Renewal)
3.00% (CV Rollover)
Protection Builder* 4.00% (New/Renewal)
4.00% (CV Rollover)
Keystone UL* 4.00% (New/Renewal)
4.00% (CV Rollover)
Independence Builder III* 4.00% (New/Renewal)
4.00% (CV Rollover)
EstateMax* 4.00% (New/Renewal)
4.00% (CV Rollover)
EstateMax II* 4.00% (New/Renewal)
4.00% (CV Rollover)
Estate Protection UL* 3.00% (New/Renewal)
3.00% (CV Rollover)
Pension UL* 4.00% (New/Renewal)
4.00% (CV Rollover)
Independence Flex* 4.00% (New/Renewal)
4.00% (CV Rollover)
SmartLife UL* 4.00% (New/Renewal)
4.00% (CV Rollover)
Large Case Payroll Deduction* 4.00% (Rate is for the calendar year 2016 - New Renewal)
Cornerstone VUL Fixed Rate* 4.00%
Cornerstone VUL II Fixed Rate* 4.00%
Cornerstone VUL III Fixed Rate* 3.00%
Cornerstone VUL IV Fixed Rate* 3.00%
Cornerstone VUL* Rate IV 12 Month DCA 4.00%
Variable EstateMax Fixed Rate* 4.00%
Variable EstateMax II Fixed Rate* 4.00%
Variable EstateMax III* Fixed Rate 3.00%
Variable EstateMax III* 12 Month DCA Rate 4.00%
Survivorship Growth VUL Fixed Rate 3.00%
Survivorship Growth VUL 12 Month DCA Rate 4.00%
Independence Builder I* 4.00%
Independence Builder II* 4.00%
Future Builder * 4.00%
Executive Benefit* 4.50%
Security Builder II* 4.00% (Rate is for the second quarter 2016.)
SinglePay UL* 4.00% (Net Rate)
EasyLife* 6.00% (Rate is for the second quarter 2016.)
Premium Deposit Fund/Premium in Advance Acct 2.50%

Penn Mutual Sitemap

Your Financial Life
Life Insurance
Annuities
Client Services
Performance & Rates