How are Thrivent Financial for Lutherans rates determined?
We base our rates on a number of factors, including relevant Treasury securities; Commercial Mortgage Backed Securities markets; overall market volatility; and various risk parameters. The rates are not tied to one specific metric and typically do not fluctuate daily or with every change in the market; however, they are reviewed on a periodic basis and adjusted as necessary. Our goal is to offer favorable rates while delivering on our commitment of investment return for members/product owners. As a non-profit entity that gives back to the Lutheran community through fraternal operations, Thrivent Financial for Lutherans does not have the added margin of profit or overhead built into pricing that other financial institutions typically do.
