Put Your
Hard-Earned Money
to Work

4.80% First-Year Interest Rate
on Multi-Year Guaranteed Annuities

If you have extra cash in your savings account, it might be time to put that money to work. Perhaps you’ve thought about investing in CDs or Money Markets – or maybe you haven’t decided and are accruing interest in a regular savings account.

We’ve called around Decatur for interest rate information, and have taken the averages from 5 of the most popular banks. Here is how a savings account, Money Markets, and a CD compare to a Multi-Year Guaranteed Annuity (MYGA).

Savings account Money Markets CDs MYGA
0.02% 0.06% 0.14%


*One of the best rates available as of July 2018. Note that the first year interest is 4.80%, and years 2-5 are 3.80%.
Other Interest rates shown are averages based on rates from 5 banks in Decatur, IL: PNC Bank, Regions, Town and Country Bank, Soy Capital, and Busey Bank.


Sometimes, interest rates don’t put things into perspective, so here’s a real example of how much interest you’d earn in your first year with each option.

Let’s say you have $50,000, and you want to invest it safely. Here is what you’d earn in interest over the course of your first year.

Savings account Money Markets CDs MYGA
+$10 +30 +$70



Which option would you choose?

Contact us to learn how a Multi-Year Guaranteed Annuity can be a way of growing and preserving your hard-earned money. 

Should you choose to continue the annuity after the five-year guaranteed period, the minimum rate guarantee is 1.00% for contracts issued in 2018. Credited rates effective 07/9/2018 and are subject to change without notice. Interest is credited daily on the Initial Purchase Premium, less withdrawals that exceed the cumulative amount of interest credited. Quoted rates do not reflect optional liquidity riders. If you choose to add any of the available liquidity riders the interest rate will be reduced accordingly. Early withdrawals may be subject to Surrender Charges and Market Value Adjustments. The IRS may impose penalties for early withdrawals from qualified plans. Contracts issued by Atlantic Coast Life Insurance Company. Not FDIC insured. Rates vary by state. Effective 7/9/18.

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