How we share

TIAA Traditional* has shared billions in profits with participants like you, not shareholders 

More than $3 billion a year on average in shared profits over the past 10 years1

More growth

While saving, you may earn interest above the guaranteed rate.2,3


TIAA has credited additional interest on one or more contracts every year since 1948.5

Higher payout rates

Long-term contributors may receive higher income compared to new contributors through a Loyalty Bonus.2,4


TIAA has paid more than the guaranteed minimum every year since 1949.5

Raises in retirement

TIAA Traditional annuitants may get increases in income payment amounts during retirement.3


We have increased payments 19 times in the past 30 years.5

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

Growth rates beyond the guarantee

Each of our TIAA Traditional contracts grows at a guaranteed minimum interest rate, but TIAA aims to increase your interest rate above the guaranteed minimum.3

Do you already own TIAA Traditional? Log-in to check your current crediting rate.

Locate your rate in the Crediting Rate column of the table and compare to the Guaranteed Rate column.

Payout rates beyond the guarantee

If you are a long-time TIAA Traditional contributor, you could get a Loyalty Bonus which can mean extra money when you convert all or a part of your TIAA Traditional balance into lifetime income.4,6

See your personalized payout rate, including the current value of your Loyalty Bonus, by visiting the Retirement Income Illustrator.7

Designed for participants nearing retirement. Locate your payout rate in the Lifetime Annuity row of the tool.

Income raises in retirement

Those who annuitize TIAA Traditional may receive increases in their income payments.3

These raises are determined every year and require no action to receive. TIAA has increased income payments 19 times in the past 30 years.5

Ready to save with TIAA Traditional?

Choose between moving money yourself, getting a recommendation and speaking with a financial consultant.

1TIAA may share profits with TIAA Traditional Annuity owners through declared additional amounts of interest during accumulation, higher initial annuity income, and through further increases in annuity income benefits during retirement. These additional amounts are not guaranteed beyond the period for which they were declared.

TIAA Annual Statement (2013-2022), Page 4, Line 30.

2All guarantees are based on TIAA's claims-paying ability. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Past performance is no guarantee of future results.

3TIAA Traditional Annuity interest and income benefits include guaranteed amounts plus additional amounts as may be established on a year-by-year basis by the TIAA Board of Trustees. The additional amounts, when declared, remain in effect through the "declaration year," which begins each March 1 for accumulating annuities and January 1 for payout annuities. Additional amounts are not guaranteed beyond the period for which they are declared.

4TIAA may provide a Loyalty Bonus that is only available when electing lifetime income. The amount of the bonus is discretionary and determined annually.

5As of 1/1/2024

6Converting 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.

7Important: The projections or other information generated by the Retirement Income Illustrator regarding the likelihood of various investment outcomes, investment allocations and retirement income are hypothetical in nature, do not reflect actual results and are not guarantees of future results. Results may vary with each use and over time.

Annuity contracts contain terms for keeping them in force. Exclusions, restrictions, limitations and reductions in benefits will, in certain situations, apply to annuity contracts. Your financial consultant or advisor 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 1000.24; G-1000.4 or G-1000.5/G1000.6 or G1000.7; 1200.8; G1250.1; IGRS-01-84-ACC and IGRS-02-ACC; IGRS-CERT2-84-ACC and IGRS-CERT3-ACC; IGRSP-01-84-ACC and IGRSP-02-ACC; IGRSP-CERT2-84-ACC and IGRSP-CERT3-ACC; 6008.8 and 6008.9-ACC; 1000.24-ATRA; 1280.2, 1280.4, or 1280.3 or 1280.5, or G1350.

Not all contracts are available in all states or currently issued.

Transfers and withdrawals from TIAA Traditional are restricted by its underlying agreements that can affect the liquidity of the product.

This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision.