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Charitable Gift Annuity Sample Rates

This information is taken from the American Council on Gift Annuities (ACGA) suggested interest rates for charitable gift annuities. The tables published by the ACGA are extensive. For specific information regarding exact ages, please contact us.

The annuity rate is determined at the time the gift is made and will not be affected by future rate changes. As a portion of the annuity is a gift, you will receive an income tax deduction for the portion that is the gift. A portion of the annual annuity income may be exempt from Federal Taxes as it is considered a return of principal. If the annuity is funded with appreciated assets, income subject to capital gain taxes will be deferred over the estimated life of the annuitant. A two-life annuity will make payments to you and your spouse or other annuitant for life without a reduction in payment upon the first death. Your joint ages at the time you make the gift determines the annuity rate.

If you have already made a legacy gift, please let us know so we may send you an invitation to our Mary Louise Stong Society Legacy Circle. If you intend to make a planned gift or have any questions, please email ( or call our Chief Advancement Officer, Craig Palmer, at (415) 477-5220 so we may provide you with more information and answer your questions.

Please note, individual financial circumstances will vary. The information on this site does not constitute legal or tax advice. Donor stories and photographs are for purposes of illustration only. As with all tax and estate planning, please consult your attorney or estate specialist. All material is copyrighted and is for viewing purposes only. Use of this site signifies your agreement with the terms of use. The content in this Planned Giving section has been developed for Friends of the San Francisco Public Library by Future Focus. Please report any problems to section webmaster.