Earn 4.75% guaranteed, within a TIAA IRA, through February 20251

Account name Total rate
TIAA Traditional in an IRA (fully liquid) 4.75%

Total rate

TIAA Traditional in an IRA (fully liquid)

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 * Issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.

Get the basics

TIAA Traditional sets you up for steady growth today and predictable income when you retire

Guaranteed growth as you save

  • TIAA Traditional is not impacted by market declines. Your balance is guaranteed to grow every day.1
  • Fully liquid with no surrender charges – which means there is no penalty for switching to another investment option in your IRA.

Guaranteed income in retirement

  • You have the option to activate retirement paychecks you can't outlive.2
  • Access your money anytime through a range of withdrawal options that can be customized to your personal situation.
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1 Rates vary by contract. Paycheck refers to the annuity income received in retirement.  Guarantees of fixed monthly payments are only associated with TIAA's fixed annuities. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Past performance is no guarantee of future results. Rate increase applies to new contributions to TIAA Traditional within TIAA IRAs and Investment Solutions (IS) IRAs. The rates TIAA credits are quoted as effective annual rates with interest compounded daily. Crediting rate may fluctuate based on the contribution month. New money allocated to TIAA Traditional will receive the rate for the month in which the contribution is made and is guaranteed through February 28, 2025. New money is defined as any contribution made to TIAA Traditional within an existing or new TIAA IRA or IS IRA. This includes dollars reallocated from another investment into TIAA Traditional as well as transfers, rollovers and contributions.

2 Converting some or all of your savings to income benefits (referred to as "annuitization") is a permanent decision. Once income benefit payments have begun, you are unable to change to another option.

3 Prior to rolling over, consider your other options. You may be able to leave money in your current plan, withdraw cash or roll over the assets to a new employer's plan, if one is available and rollovers are permitted. Compare the differences in investment options, services, fees and expenses, withdrawal options, required minimum distributions, other plan features and tax treatment. Speak with a TIAA consultant and your tax advisor regarding your situation. Learn more at TIAA.org/reviewyouroptions.

This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor's own objectives and circumstances.

Annuity contracts may contain terms for keeping them in force. We can provide you with costs and complete details.

TIAA Traditional is a fixed annuity product issued through these contracts by Teachers Insurance and Annuity Association of America (TIAA), 730 Third Avenue, New York, NY, 10017: Form series including but not limited to: 1000.24; G-1000.4; IGRS-01-84-ACC; IGRSP-01-84-ACC; 6008.8. Not all contracts are available in all states or currently issued.