Annuity Rates What is the Interest Rate on Annuities?
Review current annuity rates and learn more about planning for your retirement goals. See our retirement product options.
Deferred Fixed Annuity Interest Rates1
The rates below are for the Single Premium Deferred Fixed Annuity (SPDA) and the Fixed Premium Deferred Fixed Annuity (FPDA). You will receive a set interest rate during your initial lock-in period, which will be between one month and one year. Once your rate is locked in, you will receive the same interest rate for the rest of the time you own the annuity.
Rate Credited During Initial Lock-in Period
Certificates issued in June 2025. Rate credited during the initial lock-in period.
Single Premium Deferred Fixed Annuity (SPDA)2 | Fixed Premium Deferred Fixed Annuity (FPDA)2 | |
Under $10,000 | – | 3.00% |
$10,000 to $24,999 | 3.40% | 3.25% |
$25,000 to $99,999 | 3.70% | 3.55% |
$100,000 to $499,999 | 3.90% | 3.75% |
$500,000 to $999,999 | 4.25% | 4.10% |
$1 million and above | 4.40% | 4.25% |
Rate Credited After Initial Lock-in Period
June 2025 rate credited after initial lock-in period expires3.
SPDA with First Year Interest Bonus4 | FPDA with First Year Interest Bonus5 | SPDA6 | FPDA7 | |
Under $10,000 | 2.60% | 2.45% | 3.00% | 3.00% |
$10,000 to $24,999 | 3.00% | 2.85% | 3.40% | 3.25% |
$25,000 to $99,999 | 3.30% | 3.15% | 3.70% | 3.55% |
$100,000 to $499,999 | 3.50% | 3.35% | 3.90% | 3.75% |
$500,000 to $999,999 | 3.85% | 3.70% | 4.25% | 4.10% |
$1 million and above | 4.00% | 3.85% | 4.40% | 4.25% |
After the initial lock-in period expires, interest rates may vary each month. Interest rates are set monthly by WoodmenLife and will never be lower than the minimum guaranteed interest rate. The current minimum guaranteed interest rate for certificates issued in June 2025 is 3.00%.
WoodmenLife Deferred Annuities In-force Rate8
June 2025
Values under $25,000 | Values $25,000 and Above |
3.00% | 3.00% |
Current in-force interest rates apply when a certificate’s initial rate guarantee has expired or when an initial interest rate’s guarantee period has not been chosen. Current in-force interest rates are subject to change monthly. They will never be lower than the minimum guaranteed interest rate.
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Disclosures
Single Premium Deferred Annuity (SPDA) not available in NH. Flexible Premium Deferred Annuity (FPDA) not available in NH.
During the initial lock-in period, the interest rate will not change. Lock-in periods of one month or one year are available.
After the initial lock-in period expires, interest rates may vary each month. Interest rates are set monthly by WoodmenLife and will never be lower than the minimum guaranteed interest rate. The current minimum guaranteed interest rate for certificates issued in June 2025 is 3.00%.
Single Premium Deferred Annuity (SPDA) with First Year Bonus 7961-XX-0707 7961-02-0905. Not available for purchase. Rates shown are credited after the initial lock-in period on products previously purchased.
Flexible Premium Deferred Annuity (FPDA) with First Year Bonus 7963-XX-0707 7963-02-0905. Rates shown are credited after the initial lock-in period on products previously purchased.
Single Premium Deferred Annuity (SPDA) 7962-XX-0707; 7962-02-0905
Flexible Premium Deferred Annuity (FPDA) 7964-XX-0707; 7964-02-0905
WoodmenLife Deferred Annuities are not available for purchase. The in-force rates below apply to products previously purchased. Contractual contribution limits apply.
Products are not available in New York and New Hampshire. All products may not be available in all states.
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