To determine the deferred gift annuity rate, this factor is multiplied by the immediate gift annuity rate, now in effect, for the nearest age of the annuitant at the time payments begin. In this example, the deferred gift annuity rate would be 1.387948 times 4.7%, or 6.5% (rounded to the nearest tenth of a percent). Annuity rates. Charitable gift annuity rates vary from charity to charity and are based on several factors, including the amount of the gift, as well as the donor’s age(s) at the time of the gift. Younger donors may often see significantly lower rates based on the longer expected term. Usually, the minimum amount you can give to qualify for a charitable gift annuity is $5,000 or $10,000, but by and large, the gift is much larger. The charity sets the gift aside in a bank or other interest-accruing account. Depending on the donor's age when you make the donation, he or she