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Generally for plan years beginning after December 31, 2007, the applicable interest rates under Section 417(e)(3)(D) of the Code are segment rates computed without regard to a 24 month average. For plan years beginning in 2008 through 2011, the applicable interest rate is the monthly spot segment rate blended with the applicable rate under Section 417(e)(3)(A)(ii)(II) of the Code as in effect for plan years beginning in 2007. For plan years beginning in the stated year, the following rates are the applicable interest rates for the month and year listed for minimum present value computations under Section 417(e)(3)(D) of the Code.
| For Plan Years Beginning In |
Month/Year | First Segment |
Second Segment |
Third Segment |
|---|---|---|---|---|
| All | Apr-22 | 3.00 | 4.22 | 4.17 |
| All | Mar-22 | 2.44 | 3.71 | 3.94 |
| All | Feb-22 | 1.88 | 3.35 | 3.70 |
| All | Jan-22 | 1.41 | 3.02 | 3.36 |
| All | Dec-21 | 1.16 | 2.72 | 3.10 |
| All | Nov-21 | 1.02 | 2.72 | 3.08 |
| All | Oct-21 | 0.87 | 2.74 | 3.16 |
| All | Sep-21 | 0.70 | 2.55 | 3.06 |
| All | Aug-21 | 0.66 | 2.50 | 3.12 |
| All | Jul-21 | 0.63 | 2.51 | 3.10 |
| All | Jun-21 | 0.63 | 2.70 | 3.32 |
| All | May-21 | 0.61 | 2.84 | 3.54 |
| All | Apr-21 | 0.67 | 2.84 | 3.47 |
| All | Mar-21 | 0.69 | 2.92 | 3.69 |
| All | Feb-21 | 0.51 | 2.54 | 3.45 |
| All | Jan-21 | 0.50 | 2.38 | 3.17 |
| All | Dec-20 | 0.51 | 2.26 | 3.01 |
| All | Nov-20 | 0.53 | 2.31 | 3.09 |
| All | Oct-20 | 0.54 | 2.38 | 3.28 |
| All | Sep-20 | 0.51 | 2.31 | 3.15 |
| All | Aug-20 | 0.52 | 2.22 | 3.03 |
| All | Jul-20 | 0.59 | 2.25 | 3.01 |
| All | Jun-20 | 0.74 | 2.57 | 3.32 |
| All | May-20 | 1.08 | 2.78 | 3.47 |
| All | Apr-20 | 1.58 | 2.88 | 3.24 |
| All | Mar-20 | 2.22 | 3.08 | 3.73 |
| All | Feb-20 | 1.73 | 2.72 | 3.35 |
| All | Jan-20 | 1.91 | 2.93 | 3.54 |
| All | Dec-19 | 2.03 | 3.06 | 3.59 |
| All | Nov-19 | 2.04 | 3.09 | 3.68 |
| All | Oct-19 | 2.01 | 3.06 | 3.65 |
| All | Sep-19 | 2.13 | 3.07 | 3.65 |
| All | Aug-19 | 2.09 | 3.00 | 3.61 |
| All | July-19 | 2.34 | 3.38 | 4.01 |
| All | June-19 | 2.41 | 3.51 | 4.16 |
| All | May-19 | 2.72 | 3.76 | 4.33 |
| All | Apr-19 | 2.79 | 3.88 | 4.33 |
| All | Mar-19 | 2.86 | 4.00 | 4.42 |
| All | Feb-19 | 3.01 | 4.11 | 4.41 |
| All | Jan-19 | 3.19 | 4.25 | 4.60 |
| All | Dec-18 | 3.38 | 4.32 | 4.69 |
| All | Nov-18 | 3.43 | 4.46 | 4.88 |
| All | Oct-18 | 3.33 | 4.39 | 4.72 |
| All | Sep-18 | 3.21 | 4.26 | 4.55 |
| All | Aug-18 | 3.10 | 4.15 | 4.46 |
| All | Jul-18 | 3.15 | 4.20 | 4.47 |
| All | Jun-18 | 3.12 | 4.20 | 4.60 |
| All | May-18 | 3.08 | 4.19 | 4.58 |
| All | Apr-18 | 2.99 | 4.04 | 4.43 |
| All | Mar-18 | 2.91 | 3.99 | 4.43 |
| All | Feb-18 | 2.72 | 3.94 | 4.33 |
| All | Jan-18 | 2.48 | 3.65 | 4.15 |
| All | Dec-17 | 2.33 | 3.55 | 4.11 |
| All | Nov-17 | 2.20 | 3.57 | 4.24 |
| All | Oct-17 | 2.05 | 3.61 | 4.27 |
| All | Sept-17 | 1.96 | 3.58 | 4.35 |
| All | Aug-17 | 1.93 | 3.57 | 4.36 |
| All | Jul-17 | 1.97 | 3.66 | 4.37 |
| All | Jun-17 | 1.96 | 3.60 | 4.39 |
| All | May-17 | 1.96 | 3.77 | 4.62 |
| All | Apr-17 | 1.96 | 3.78 | 4.66 |
| All | Mar-17 | 2.06 | 3.95 | 4.75 |
| All | Feb-17 | 1.96 | 3.91 | 4.69 |
| All | Jan-17 | 2.00 | 3.91 | 4.66 |
| All | Dec-16 | 2.04 | 4.03 | 4.82 |
| All | Nov-16 | 1.79 | 3.80 | 4.71 |
| All | Oct-16 | 1.57 | 3.45 | 4.39 |
| All | Sep-16 | 1.47 | 3.34 | 4.30 |
| All | Aug-16 | 1.39 | 3.27 | 4.18 |
| All | Jul-16 | 1.36 | 3.26 | 4.16 |
| All | Jun-16 | 1.44 | 3.46 | 4.48 |
| All | May-16 | 1.50 | 3.60 | 4.62 |
| All | Apr-16 | 1.47 | 3.65 | 4.62 |
| All | Mar-16 | 1.68 | 3.87 | 4.84 |
| All | Feb-16 | 1.71 | 3.98 | 5.03 |
| All | Jan-16 | 1.78 | 4.08 | 5.02 |
| All | Dec-15 | 1.82 | 4.12 | 5.01 |
| All | Nov-15 | 1.76 | 4.15 | 5.13 |
| All | Oct-15 | 1.61 | 4.02 | 5.03 |
| All | Sep-15 | 1.69 | 4.11 | 5.07 |
| All | Aug-15 | 1.68 | 4.05 | 4.98 |
| All | Jul-15 | 1.63 | 4.14 | 5.13 |
| All | Jun-15 | 1.59 | 4.13 | 5.20 |
| All | May-15 | 1.38 | 3.88 | 4.98 |
| All | Apr-15 | 1.27 | 3.52 | 4.47 |
| All | Mar-15 | 1.38 | 3.58 | 4.50 |
| All | Feb-15 | 1.35 | 3.52 | 4.47 |
| All | Jan-15 | 1.33 | 3.46 | 4.40 |
| All | Dec-14 | 1.48 | 3.77 | 4.79 |
| All | Nov-14 | 1.40 | 3.88 | 4.96 |
| All | Oct-14 | 1.29 | 3.81 | 4.88 |
| All | Sep-14 | 1.40 | 3.98 | 5.04 |
| All | Aug-14 | 1.24 | 3.86 | 4.96 |
| All | Jul-14 | 1.26 | 3.94 | 5.02 |
| All | Jun-14 | 1.23 | 4.01 | 5.09 |
| All | May-14 | 1.17 | 3.98 | 5.01 |
| All | Apr-14 | 1.24 | 4.13 | 5.15 |
| All | Mar-14 | 1.23 | 4.23 | 5.31 |
| All | Feb-14 | 1.17 | 4.29 | 5.36 |
| All | Jan-14 | 1.24 | 4.42 | 5.40 |
| All | Dec-13 | 1.25 | 4.57 | 5.60 |
| All | Nov-13 | 1.19 | 4.53 | 5.66 |
| All | Oct-13 | 1.24 | 4.47 | 5.52 |
| All | Sep-13 | 1.40 | 4.66 | 5.62 |
| All | Aug-13 | 1.36 | 4.60 | 5.58 |
| All | Jul-13 | 1.34 | 4.45 | 5.44 |
| All | Jun-13 | 1.24 | 4.25 | 5.43 |
| All | May-13 | 0.97 | 3.76 | 5.01 |
| All | Apr-13 | 0.93 | 3.61 | 4.88 |
| All | Mar-13 | 0.97 | 3.82 | 5.11 |
| All | Feb-13 | 0.99 | 3.82 | 5.02 |
| All | Jan-13 | 1.00 | 3.73 | 4.89 |
| 2011 | Dec-12 | 1.38 | 3.43 | 4.39 |
| 2012 | Dec-12 | 1.00 | 3.57 | 4.77 |
| 2013 | Dec-12 | 1.00 | 3.57 | 4.77 |
| 2011 | Nov-12 | 1.34 | 3.36 | 4.24 |
| 2012 | Nov-12 | 0.97 | 3.50 | 4.60 |
| 2013 | Nov-12 | 0.97 | 3.50 | 4.60 |
| 2011 | Oct-12 | 1.35 | 3.44 | 4.24 |
| 2012 | Oct-12 | 0.96 | 3.57 | 4.58 |
| 2013 | Oct-12 | 0.96 | 3.57 | 4.58 |
| 2011 | Sep-12 | 1.39 | 3.54 | 4.31 |
| 2012 | Sep-12 | 1.02 | 3.71 | 4.67 |
| 2013 | Sep-12 | 1.02 | 3.71 | 4.67 |
| 2011 | Aug-12 | 1.46 | 3.52 | 4.17 |
| 2012 | Aug-12 | 1.13 | 3.71 | 4.52 |
| 2013 | Aug-12 | 1.13 | 3.71 | 4.52 |
| 2011 | Jul-12 | 1.49 | 3.45 | 4.12 |
| 2012 | Jul-12 | 1.22 | 3.66 | 4.50 |
| 2011 | Jun-12 | 1.82 | 3.72 | 4.48 |
| 2012 | Jun-12 | 1.60 | 3.97 | 4.93 |
| 2011 | May-12 | 1.86 | 3.88 | 4.62 |
| 2012 | May-12 | 1.59 | 4.12 | 5.04 |
| 2011 | Apr-12 | 1.87 | 4.08 | 4.75 |
| 2012 | Apr-12 | 1.54 | 4.30 | 5.14 |
| 2011 | Mar-12 | 1.91 | 4.14 | 4.80 |
| 2012 | Mar-12 | 1.57 | 4.36 | 5.18 |
| 2011 | Feb-12 | 1.87 | 4.04 | 4.69 |
| 2012 | Feb-12 | 1.56 | 4.27 | 5.08 |
| 2011 | Jan-12 | 2.08 | 4.09 | 4.76 |
| 2012 | Jan-12 | 1.84 | 4.36 | 5.19 |
| 2011 | Dec-11 | 2.25 | 4.16 | 4.79 |
| 2012 | Dec-11 | 2.07 | 4.45 | 5.24 |
| 2010 | Nov-11 | 2.40 | 3.89 | 4.36 |
| 2011 | Nov-11 | 2.20 | 4.18 | 4.81 |
| 2012 | Nov-11 | 1.99 | 4.47 | 5.26 |
| 2010 | Oct-11 | 2.51 | 3.99 | 4.55 |
| 2011 | Oct-11 | 2.30 | 4.27 | 5.03 |
| 2012 | Oct-11 | 2.09 | 4.56 | 5.50 |
| 2010 | Sep-11 | 2.46 | 3.97 | 4.75 |
| 2011 | Sep-11 | 2.22 | 4.23 | 5.28 |
| 2012 | Sep-11 | 1.98 | 4.49 | 5.80 |
| 2010 | Aug-11 | 2.57 | 4.23 | 5.07 |
| 2011 | Aug-11 | 2.21 | 4.43 | 5.55 |
| 2012 | Aug-11 | 1.85 | 4.62 | 6.02 |
| 2010 | Jul-11 | 2.74 | 4.69 | 5.48 |
| 2011 | Jul-11 | 2.23 | 4.83 | 5.88 |
| 2010 | Jun-11 | 2.71 | 4.69 | 5.49 |
| 2011 | Jun-11 | 2.21 | 4.84 | 5.91 |
| 2010 | May-11 | 2.75 | 4.72 | 5.44 |
| 2011 | May-11 | 2.23 | 4.86 | 5.83 |
| 2010 | Apr-11 | 2.96 | 4.94 | 5.66 |
| 2011 | Apr-11 | 2.44 | 5.08 | 6.05 |
| 2010 | Mar-11 | 2.95 | 4.94 | 5.68 |
| 2011 | Mar-11 | 2.43 | 5.09 | 6.07 |
| 2010 | Feb-11 | 3.07 | 5.06 | 5.78 |
| 2011 | Feb-11 | 2.55 | 5.20 | 6.16 |
| 2010 | Jan-11 | 2.97 | 4.96 | 5.66 |
| 2011 | Jan-11 | 2.45 | 5.10 | 6.04 |
| 2010 | Dec-10 | 2.96 | 4.91 | 5.68 |
| 2011 | Dec-10 | 2.47 | 5.07 | 6.10 |
| 2010 | Nov-10 | 2.67 | 4.62 | 5.59 |
| 2011 | Nov-10 | 2.16 | 4.77 | 6.05 |
| 2009 | Oct-10 | 2.95 | 4.21 | 4.81 |
| 2010 | Oct-10 | 2.48 | 4.39 | 5.28 |
| 2011 | Oct-10 | 2.02 | 4.56 | 5.75 |
| 2009 | Sep-10 | 2.96 | 4.16 | 4.67 |
| 2010 | Sep-10 | 2.55 | 4.36 | 5.13 |
| 2011 | Sep-10 | 2.15 | 4.55 | 5.58 |
| 2009 | Aug-10 | 3.00 | 4.20 | 4.63 |
| 2010 | Aug-10 | 2.61 | 4.41 | 5.05 |
| 2011 | Aug-10 | 2.21 | 4.61 | 5.46 |
| 2009 | Jul-10 | 3.22 | 4.43 | 4.84 |
| 2010 | Jul-10 | 2.83 | 4.66 | 5.26 |
| 2009 | Jun-10 | 3.42 | 4.62 | 4.99 |
| 2010 | Jun-10 | 3.06 | 4.86 | 5.43 |
| 2009 | May-10 | 3.51 | 4.74 | 5.08 |
| 2010 | May-10 | 3.12 | 4.97 | 5.47 |
| 2009 | Apr-10 | 3.73 | 5.05 | 5.40 |
| 2010 | Apr-10 | 3.26 | 5.24 | 5.76 |
| 2009 | Mar-10 | 3.71 | 5.05 | 5.42 |
| 2010 | Mar-10 | 3.23 | 5.25 | 5.81 |
| 2009 | Feb-10 | 3.69 | 5.08 | 5.42 |
| 2010 | Feb-10 | 3.22 | 5.31 | 5.83 |
| 2009 | Jan-10 | 3.68 | 5.02 | 5.35 |
| 2010 | Jan-10 | 3.23 | 5.22 | 5.72 |
| 2009 | Dec-09 | 3.63 | 4.95 | 5.27 |
| 2010 | Dec-09 | 3.21 | 5.19 | 5.67 |
| 2008 | Nov-09 | 3.92 | 4.56 | 4.71 |
| 2009 | Nov-09 | 3.53 | 4.81 | 5.10 |
| 2010 | Nov-09 | 3.13 | 5.07 | 5.50 |
| 2008 | Oct-09 | 3.87 | 4.47 | 4.57 |
| 2009 | Oct-09 | 3.55 | 4.75 | 4.94 |
| 2010 | Oct-09 | 3.24 | 5.02 | 5.32 |
| 2008 | Sep-09 | 3.90 | 4.48 | 4.57 |
| 2009 | Sep-09 | 3.61 | 4.77 | 4.94 |
| 2010 | Sep-09 | 3.31 | 5.05 | 5.32 |
| 2008 | Aug-09 | 4.11 | 4.68 | 4.74 |
| 2009 | Aug-09 | 3.85 | 5.00 | 5.11 |
| 2010 | Aug-09 | 3.60 | 5.31 | 5.47 |
| 2008 | Jul-09 | 4.21 | 4.78 | 4.82 |
| 2009 | Jul-09 | 4.00 | 5.16 | 5.23 |
| 2008 | Jun-09 | 4.39 | 4.93 | 4.93 |
| 2009 | Jun-09 | 4.27 | 5.35 | 5.33 |
| 2008 | May-09 | 4.24 | 4.78 | 4.74 |
| 2009 | May-09 | 4.25 | 5.34 | 5.25 |
| 2008 | Apr-09 | 4.03 | 4.44 | 4.39 |
| 2009 | Apr-09 | 4.30 | 5.12 | 5.02 |
| 2008 | Mar-09 | 4.05 | 4.42 | 4.48 |
| 2009 | Mar-09 | 4.46 | 5.20 | 5.32 |
| 2008 | Feb-09 | 3.92 | 4.29 | 4.29 |
| 2009 | Feb-09 | 4.25 | 4.98 | 4.99 |
| 2008 | Jan-09 | 3.54 | 3.86 | 3.77 |
| 2009 | Jan-09 | 3.96 | 4.60 | 4.40 |
| 2008 | Dec-08 | 3.64 | 3.72 | 3.57 |
| 2009 | Dec-08 | 4.41 | 4.57 | 4.27 |
| 2008 | Nov-08 | 4.62 | 4.85 | 4.68 |
| 2009 | Nov-08 | 5.24 | 5.69 | 5.37 |
| 2008 | Oct-08 | 4.81 | 5.06 | 4.79 |
| 2009 | Oct-08 | 5.44 | 5.95 | 5.41 |
| 2008 | Sep-08 | 4.59 | 4.89 | 4.79 |
| 2009 | Sep-08 | 4.91 | 5.50 | 5.31 |
| 2008 | Aug-08 | 4.64 | 4.97 | 4.98 |
| 2009 | Aug-08 | 4.78 | 5.45 | 5.46 |
| 2008 | Jul-08 | 4.69 | 5.03 | 5.06 |
| 2008 | Jun-08 | 4.75 | 5.08 | 5.14 |
| 2008 | May-08 | 4.61 | 4.95 | 5.03 |
| 2008 | Apr-08 | 4.47 | 4.81 | 4.94 |
| 2008 | Mar-08 | 4.37 | 4.79 | 4.91 |
| 2008 | Feb-08 | 4.44 | 4.85 | 5.03 |
| 2008 | Jan-08 | 4.34 | 4.67 | 4.81 |
| 2008 | Dec-07 | 4.61 | 4.85 | 4.96 |
| 2008 | Nov-07 | 4.60 | 4.82 | 4.91 |
| 2008 | Oct-07 | 4.85 | 5.02 | 5.09 |
| 2008 | Sep-07 | 4.89 | 5.06 | 5.14 |
| 2008 | Aug-07 | 5.02 | 5.18 | 5.28 |
*Updated as of May 20th, 2022
Michael Lee
Principal, Wealth Advisor & Focus Team LeadWith over 10 years of experience as an advisor, Michael brings a laser-focused approach to holistic wealth management. His first foray into retirement planning was when his mother retired from Kaiser Permanente Walnut Creek. As a first generation American, Michael had the duty of translating for his family – and he felt, firsthand, the stress and anxiety that large financial decisions can cause for
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