Quick links to rates
Effective Date:

MCA 3
3-year repeating guarantee : 3-year repeating surrender and MVA period
$15,000 $100,000
Crediting Rate 4.80% 4.90%
Crediting Rate Interest-Only Withdrawal 4.75% 4.85%
Crediting Rate 10% Withdrawal Provision 4.70% 4.80%
Principal Guarantee Crediting Rate 4.60% 4.70%

MCA 5
5-year repeating guarantee : 5-year repeating surrender and MVA period
$15,000 $100,000
Crediting Rate 5.05% 5.15%
Crediting Rate Interest-Only Withdrawal 5.00% 5.10%
Crediting Rate 10% Withdrawal Provision 4.95% 5.05%
Principal Guarantee Crediting Rate 4.85% 4.95%

MCA 7
7-year repeating guarantee : 7-year repeating surrender and MVA period
$15,000 $100,000
Crediting Rate 4.95% 5.05%
Crediting Rate Interest-Only Withdrawal 4.90% 5.00%
Crediting Rate 10% Withdrawal Provision 4.85% 4.95%
Principal Guarantee Crediting Rate 4.75% 4.85%

* No MVA on products sold in California.
Crediting Rate does not include an optional withdrawal provision.
Principal Guarantee Crediting Rate includes a 10% withdrawal provision.
Effective Date:

ISA 5
annual point-to-point : 5-year surrender and MVA period : fixed interest crediting 4.75%
$15,000 $100,000
Cap Rate 9.25% 9.50%
Participation Rate 51% 53%

ISA 7
annual point-to-point : 7-year surrender and MVA period : fixed interest crediting 4.75%
$15,000 $100,000
Cap Rate 10.25% 10.50%
Participation Rate 53% 55%

NOT FDIC-INSURED • NO BANK GUARANTEE • MAY LOSE VALUE • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A BANK DEPOSIT

Distributor: First Citizens, 626

Guaranteed Minimum Interest Rates:

  • FGA: 0.10%
  • MCA: 0.10%
  • ISA Rate Cap: 1.00%  |  ISA Participation Rate: 10%  |  ISA Fixed Rate: 0.10%

Products of Standard Insurance Company. Rates may change without notice. Product features and availability varies by state. The 45-day rate lock applies only to initial crediting, cap, participation and spread rates.