ACGA Rates Remain Well Below NY Maximum Annuity Rates Through 6/30/2025

New York has announced its maximum one-life annuity rates applicable to immediate gift annuities issued to New York donors from January 1, 2025 through June 30, 2025. All these rates remain well above the corresponding maximum annuity rates suggested by the American Council on Gift Annuities (ACGA). New York does not publish its maximum annuity rates for two-life immediate gift annuities, nor for one-life or two-life deferred gift annuities. However, PG Calc is able to compute these New York maximum rates ourselves. We have spot-checked these rates over a range of typical ages and deferral periods, and in every case, the New York maximum rate is well above the corresponding ACGA rate.

In summary, charities can offer the current ACGA rates to all New York donors through at least June 30, 2025 without running afoul of New York’s maximums.

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