Explore the latest TIAA Traditional rates
TIAA Traditional* protects a portion of your retirement savings with guaranteed growth no matter the market.1 Contributions made this month will credit at the current rate through February 2026.
*Issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.
The guaranteed portion of your portfolio
Discover how TIAA Traditional can benefit your financial security as you save and throughout retirement.
November rates for new money saved in TIAA Traditional
TIAA Traditional within employer-sponsored plans
TIAA Traditional comes in different versions, or contract types, that are selected by your employer for your retirement plan. You may have access to multiple versions and can view your available options
Maximum interest rates vs. maximum liquidity
The table below breaks down the liquidity of each contract. Contracts with delayed liquidity tend to offer higher interest rates than those that are fully liquid. Choose the option(s) that makes sense for your situation.
Delayed liquidity =
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Fully liquid =
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RETIREMENT CHOICE (RC)
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RETIREMENT CHOICE PLUS (RCP)
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GROUP RETIREMENT ANNUITY (GRA)
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GROUP SUPPLEMENTAL RETIREMENT
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| RETIREMENT ANNUITY (RA) 4.50% |
SUPPLEMENTAL RETIREMENT ANNUITY (SRA) 3.75% |
TIAA Traditional available outside of employer-sponsored plans
TIAA Traditional credits interest based on the time period during which you make the contribution or transfer in. As a result, the money you contribute or transfer during different time periods may earn different rates of interest. Think of each time period as a different bucket.
- The money you contribute in earlier time periods (earlier buckets) can earn different rates
- If you have contributed regularly over various time periods, then you will have a balance in multiple buckets
Account name |
Total rates for November |
TIAA Traditional in an IRA (fully liquid)
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3.75%
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1. Rates vary by contract. All 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. The rates TIAA credits are quoted as effective annual rates with interest compounded daily and, once declared, remain in effect during the current declaration year (March 1, 2025 – February 28, 2026). This means that funds applied to TIAA Traditional during the current month will be credited with the indicated effective annual rates until February 28, 2026, and that the rates are subject to change starting March 1, 2026.
2. TIAA 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.
3. Before consolidating assets, be sure to carefully consider the benefits of both the existing and new product. There will likely be differences in features, costs, surrender charges, services, company strength and other important aspects. There may also be tax consequences or other penalties associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation.
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.
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.
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.
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.