SPJST Interest Rates

MORTGAGE INTEREST RATES

Home or Farm Mortgage
75 Percent Owner Residence Property
5.00% for 1 to 15 years
5.50% for 16 to 20 years
6.00% for 21 to 30 years

Farm Property
5.50% for 1 to 10 years
6.00% for 11 to 20 years

85 Percent Owner Residence Property
7.00% for 1 to 30 years

Commercial Property
6.50% for 1 to 10 years
6.75% for 11 to 15 years

Mortgage rates are subject to change without notice.

UNIVERSAL LIFE

Universal Life I
5.25% for Annualized*

Universal Life II
5.00% for Annualized*

ANNUITIES

Annuity I
5.00% for Annualized*

Annuity II
4.15% for Annualized*

Annuity III
4.15% for Annualized*

Annuity IV
4.15% for Annualized*

*Rates effective 11/01/08 through 01/31/09.

5-Year Annuity

When purchased, current interest rates are guaranteed for 5 years.

Band 1 - $10,000 to $24,999 Current Rate: 3.95%
Band 2 - $25,000 to $49,999 Current Rate: 4.10%
Band 3 - $50,000 and up Current Rate: 4.20%

Rates are subject to change without notice. Call the SPJST Home Office at (800) 727-7578.