Nov 2018 AFR: 3.6%
ACGA Rates

ACGA Rates

The American Council on Gift Annuities (ACGA) Board of Directors released new rate schedules which will take effect on July 1, 2018. The Board approved an increase in the suggested maximum payout rates for charitable gift annuities.

The rates will be rising by 0.30% to 0.50% for those ages where most annuity contracts are done. Crescendo software now includes the new ACGA rates.



ACGA Rates for a Single Life (Effective July 1, 2018)

Age Rate
5-15 3.0
16-20 3.1
21-24 3.2
25-28 3.3
29-34 3.4
35-38 3.5
39-41 3.6
42-44 3.7
45-47 3.8
48-49 3.9
50-51 4.0
52-53 4.1
54 4.2
55-56 4.3
57 4.4
58 4.5
Age Rate
59 4.6
60-61 4.7
62 4.8
63 4.9
64 5.0
65 5.1
66 5.2
67-68 5.3
69 5.4
70 5.6
71 5.7
72 5.8
73 5.9
74 6.1
75 6.2
Age Rate
76 6.4
77 6.6
78 6.8
79 7.1
80 7.3
81 7.5
82 7.7
83 7.9
84 8.1
85 8.3
86 8.5
87 8.7
88 8.9
89 9.2
90+ 9.5

ACGA Rates for Two Lives - Joint and Survivor (Effective July 1, 2018)

Younger Age Older Age Rate
5 5-95+ 2.8
6 6-95+ 2.8
7 7-95+ 2.8
8 8-95+ 2.8
9 9-95+ 2.8
10 10-95+ 2.8
11 11-95+ 2.8
12 12-95+ 2.8
13 13-95+ 2.8
14 14-95+ 2.8
15 15-95+ 2.8
16 16-95+ 2.9
17 17-95+ 2.9
18 18-95+ 2.9
19 19-95+ 2.9
20 20-95+ 2.9
21 21-95+ 3.0
22 22-95+ 3.0
23 23-95+ 3.0
24 24-95+ 3.0
25 25-95+ 3.1
26 26-95+ 3.1
27 27-95+ 3.1
28 28-95+ 3.1
29 29-95+ 3.2
30 30-95+ 3.2
31 31-95+ 3.2
32 32-95+ 3.2
33 33-95+ 3.2
34 34-95+ 3.2
35 35-95+ 3.3
36 36-95+ 3.3
37 37-95+ 3.3
38 38-95+ 3.3
39 39-95+ 3.4
40 40-95+ 3.4
41 41-95+ 3.4
42 42-95+ 3.5
43 43-95+ 3.5
44 44-95+ 3.5
45 45-47 3.5
45 48-95+ 3.6
46 46 3.5
46 47-95+ 3.6
47 47-95+ 3.6
48 48-50 3.6
48 51-95+ 3.7
49 49 3.6
49 50-95+ 3.7
50 50-54 3.7
50 55-95+ 3.8
51 51-53 3.7
51 54-95+ 3.8
52 52 3.7
52 53-57 3.8
52 58-95+ 3.9
53 53-56 3.8
53 57-95+ 3.9
54 54-55 3.8
54 56-60 3.9
54 61-95+ 4.0
55 55-58 3.9
55 59-64 4.0
55 65-95+ 4.1
56 56-57 3.9
56 58-61 4.0
56 62-95+ 4.1
57 57-60 4.0
57 61-65 4.1
57 66-95+ 4.2
58 58-59 4.0
58 60-63 4.1
58 64-67 4.2
58 68-95+ 4.3
59 59-61 4.1
59 62-65 4.2
59 66-70 4.3
59 71-95+ 4.4
60 60 4.1
60 61-63 4.2
60 64-67 4.3
60 68-72 4.4
60 73-95+ 4.5
61 61-62 4.2
61 63-65 4.3
61 66-69 4.4
61 70-95+ 4.5
62 62-64 4.3
62 65-67 4.4
62 68-71 4.5
62 72-95+ 4.6
63 63 4.3
63 64-65 4.4
Younger Age Older Age Rate
63 66-69 4.5
63 70-72 4.6
63 73-95+ 4.7
64 64 4.4
64 65-67 4.5
64 68-70 4.6
64 71-73 4.7
64 74-95+ 4.8
65 65-66 4.5
65 67-68 4.6
65 69-71 4.7
65 72-74 4.8
65 75-95+ 4.9
66 66-67 4.6
66 68-69 4.7
66 70-72 4.8
66 73-74 4.9
66 75-95+ 5.0
67 67-68 4.7
67 69-70 4.8
67 71-72 4.9
67 73-77 5.0
67 78-95+ 5.1
68 68-69 4.8
68 70-71 4.9
68 72-74 5.0
68 75-95+ 5.1
69 69 4.9
69 70-72 5.0
69 73-76 5.1
69 77-95+ 5.2
70 70-71 5.0
70 72-74 5.1
70 75-77 5.2
70 78-81 5.3
70 82-95+ 5.4
71 71-72 5.1
71 73-75 5.2
71 76-78 5.3
71 79-81 5.4
71 82-95+ 5.5
72 72-74 5.2
72 75-76 5.3
72 77-79 5.4
72 80-82 5.5
72 83-95+ 5.6
73 73-74 5.3
73 75-77 5.4
73 78-79 5.5
73 80-82 5.6
73 83-95+ 5.7
74 74-75 5.4
74 76-77 5.5
74 78-79 5.6
74 80-82 5.7
74 83-85 5.8
74 86-95+ 5.9
75 75-76 5.5
75 77-78 5.6
75 79-80 5.7
75 81-82 5.8
75 83-84 5.9
75 85-95+ 6.0
76 76 5.6
76 77-78 5.7
76 79-80 5.8
76 81-82 5.9
76 83-84 6.0
76 85-86 6.1
76 87-95+ 6.2
77 77 5.7
77 78 5.8
77 79-80 5.9
77 81-82 6.0
77 83 6.1
77 84-85 6.2
77 86-88 6.3
77 89-95+ 6.4
78 78-79 5.9
78 80 6.0
78 81 6.1
78 82-83 6.2
78 84-85 6.3
78 86-87 6.4
78 88-89 6.5
78 90-95+ 6.6
79 79 6.0
79 80 6.1
79 81 6.2
79 82-83 6.3
79 84 6.4
79 85-86 6.5
79 87-88 6.6
79 89-90 6.7
Younger Age Older Age Rate
79 91-93 6.8
79 94-95+ 6.9
80 80 6.2
80 81 6.3
80 82 6.4
80 83-84 6.5
80 85 6.6
80 86 6.7
80 87-88 6.8
80 89-90 6.9
80 91-92 7.0
80 93-95+ 7.1
81 81 6.4
81 82 6.5
81 83 6.6
81 84 6.7
81 85-86 6.8
81 87 6.9
81 88 7.0
81 89-90 7.1
81 91-92 7.2
81 93-95+ 7.3
82 82 6.6
82 83 6.7
82 84 6.8
82 85 6.9
82 86 7.0
82 87 7.1
82 88 7.2
82 89-90 7.3
82 91 7.4
82 92-95+ 7.5
83 83 6.8
83 84 6.9
83 85 7.1
83 86 7.2
83 87 7.3
83 88 7.4
83 89-90 7.5
83 91 7.6
83 92-95+ 7.7
84 84 7.1
84 85 7.2
84 86 7.3
84 87 7.4
84 88 7.6
84 89 7.7
84 90-91 7.8
84 92-95+ 7.9
85 85 7.3
85 86 7.5
85 87 7.6
85 88 7.7
85 89 7.9
85 90 8.0
85 91-95+ 8.1
86 86 7.6
86 87 7.8
86 88 7.9
86 89 8.1
86 90 8.2
86 91-95+ 8.3
87 87 8.0
87 88 8.1
87 89 8.3
87 90 8.4
87 91-95+ 8.5
88 88 8.3
88 89 8.5
88 90-95+ 8.7
89 89 8.7
89 90 8.9
89 91-95+ 9.0
90 90 9.1
90 91-95+ 9.3
91 91-95+ 9.3
92 92-95+ 9.3
93 93-95+ 9.3
94 94-95+ 9.3
95 95+ 9.3
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