Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and the underlying investment funds. This and other information is contained in the contract prospectus and underlying funds prospectuses and summary prospectuses. Please read the prospectuses and summary prospectuses carefully before investing. The prospectuses and summary prospectuses can be obtained by mail or by calling 1-866-939-7655.

Mutual of America’s FPA is an individual variable annuity contract and is suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment funds you choose. Upon redemption, you could receive more or less than the principal amount invested.

1Current effective annual yield of 1.65% for contractholders with a total account balance of $250,000 or more; 1.35% for contractholders with a total account balance of $100,000 to less than $250,000; and 1.00% for contractholders with a total account balance of less than $100,000. Total FPA account balance for FPA contracts will be determined by aggregating all amounts in the Interest Accumulation Account and in the Separate Account investment funds under each FPA contract separately. FPA contracts are not aggregated with other FPA or IRA contracts owned by the same person. Interest rate applies only to balances allocated to the Interest Accumulation Account.

2This guarantee is subject to Mutual of America’s financial strength and claims-paying ability.

Form FPA-2002 or applicable state variation

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