Current Annuity Rates
The SNPJ Promise 8 Annuity
| Yield | Description |
|---|---|
| 5.25% | Current Declared Interest Rate |
| Minimum Guarantee: 2.50% Conversions of existing SNPJ Annuities available at current Declared Interest Rate |
| Penalty for Early Withdrawal | |
|---|---|
| Year 1 | 8% |
| Year 2 | 8% |
| Year 3 | 7% |
| Year 4 | 6% |
| Year 5 | 5% |
| Year 6 | 4% |
| Year 7 | 3% |
| Year 8 | 2% |
The SNPJ Promise 5 Annuity
| Yield | Description |
|---|---|
| 5.00% | Current Declared Interest Rate |
| Minimum Guarantee: 2.50% Conversions of existing SNPJ Annuities available at current Declared Interest Rate |
| Penalty for Early Withdrawal | |
|---|---|
| Year 1 | 8% |
| Year 2 | 7% |
| Year 3 | 5% |
| Year 4 | 4% |
| Year 5 | 2% |
Effective April 1, 2026, existing SNPJ Annuities issued since September 2003 will see a rate adjustment as follows:
3.25% for the SNPJ 8-year Annuity
3.00% for the SNPJ 5-year and 2-year Annuities
