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IRC Section 72(t) and 72(q) SEPP Interest Rates

Revenue Ruling 2002-62 and Qualified SEPP Plans post 12/31/2002: The interest rate that may be used is any interest rate that is not more than 120 percent of the federal mid-term rate for either of the two months immediately preceding the month in which the distribution begins.

The Estimate that appears in the graph and in the table below is merely our estimated interest rate based on the formulas currently in use on this site to try and estimate the next published 120% Mid-Term rate. We include the column only so that previous estimates can be viewed relative to the actual published rate. The estimate for next month is available at HERE .

Note... On December 7, 2010 we revised our formula and recalculated our estimated rate back to 2007. The illustrated variances are based on the revised formula.
Our Estimate 1.37 % Our Estimate 1.43 % Our Estimate 1.54 % Our Estimate 1.46 % Our Estimate 1.45 % Our Estimate 1.98 % Our Estimate 2.29 % Our Estimate 2.41 % Our Estimate 2.73 % Our Estimate 2.93 % Our Estimate 2.98 % Our Estimate 2.93 % Our Estimate 2.80 % Our Estimate 2.36 % Our Estimate 1.85 % Our Estimate 1.92 % Our Estimate 2.08 % Our Estimate 2.34 % Treasury Rate 1.34 % Treasury Rate 1.40 % Treasury Rate 1.53 % Treasury Rate 1.45 % Treasury Rate 1.44 % Treasury Rate 1.95 % Treasury Rate 2.28 % Treasury Rate 2.40 % Treasury Rate 2.73 % Treasury Rate 2.94 % Treasury Rate 2.98 % Treasury Rate 2.94 % Treasury Rate 2.80 % Treasury Rate 2.34 % Treasury Rate 1.83 % Treasury Rate 1.91 % Treasury Rate 2.07 % Treasury Rate 2.33 % Treasury Rate 1.34 % Treasury Rate 1.40 % Treasury Rate 1.53 % Treasury Rate 1.45 % Treasury Rate 1.44 % Treasury Rate 1.95 % Treasury Rate 2.28 % Treasury Rate 2.40 % Treasury Rate 2.73 % Treasury Rate 2.94 % Treasury Rate 2.98 % Treasury Rate 2.94 % Treasury Rate 2.80 % Treasury Rate 2.34 % Treasury Rate 1.83 % Treasury Rate 1.91 % Treasury Rate 2.07 %

Maximum Interest Rates for 72(t) & 72(q) SEPP Plans
The maximum interest rates where the initial plan distribution occurs during the following time periods are: 02/01/2012-02/29/2012: 1.53% | 03/01/2012-03/31/2012: 1.40% | 04/01/2012-04/30/2012: 1.34%
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Date 		Published Treasury
120% Mid-Term 		Our Estimated
120% Mid-Term
Variance
2/1/2012 1.34% 1.37% -0.03%
1/1/2012 1.40% 1.43% -0.03%
12/1/2011 1.53% 1.54% -0.01%
11/1/2011 1.45% 1.46% -0.01%
10/1/2011 1.44% 1.45% -0.01%
9/1/2011 1.95% 1.98% -0.03%
8/1/2011 2.28% 2.29% -0.01%
7/1/2011 2.40% 2.41% -0.01%
6/1/2011 2.73% 2.73% 0.00%
5/1/2011 2.94% 2.93% 0.01%
4/1/2011 2.98% 2.98% 0.00%
3/1/2011 2.94% 2.93% 0.01%
2/1/2011 2.80% 2.80% 0.00%
1/1/2011 2.34% 2.36% -0.02%
12/1/2010 1.83% 1.85% -0.02%
11/1/2010 1.91% 1.92% -0.01%
10/1/2010 2.07% 2.08% -0.01%
9/1/2010 2.33% 2.34% -0.01%

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