Form 497VPU TIAA SEPARATE ACCOUNT

May 1, 2026 9:27 AM EDT

LOGO

 

UPDATING SUMMARY

PROSPECTUS

MAY 1, 2026

TIAA Access

An individual and group variable annuity contracts funded through TIAA Separate Account VA-3 of Teachers Insurance and Annuity Association of America

Levels 1, 2, 3, 4

This Updating Summary Prospectus summarizes certain key features of your TIAA Access individual or group variable annuity contracts (“Contract”). This Updating Summary Prospectus also provides a summary of certain Contract features that have changed since the prospectus dated May 1, 2025. The statutory prospectus (“Prospectus”) and Statement of Additional Information (“SAI”), both dated May 1, 2026, for the Contract contain more information about the Contract, including its features, benefits, and risks. The Prospectus and SAI are incorporated by reference into this Updating Summary Prospectus.

You can find the current Prospectus and other information about the Contract online at www.tiaa.org/access_pro. You can also obtain this information at no cost by calling 800-842-2252, or by sending an email request to: [email protected].

Additional general information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s (“SEC”) staff and is available at www.Investor.gov.

This Updating Summary Prospectus describes the TIAA Access variable annuity. It does not constitute an offering in any jurisdiction where such an offering cannot lawfully be made. No dealer, sales representative, or anyone else is authorized to give any information or to make any representation in connection with this offering other than those contained in this prospectus. If anyone does offer you such information or representations, you should not rely on them.

The SEC has not approved or disapproved these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense.

 

    TIAA Access  ∎  Updating Summary Prospectus  

Table of contents

 

 

Special terms used in this Summary Prospectus

The terms and phrases below are defined so you will know how they are used in this prospectus. To understand some definitions, you may have to refer to other defined terms.

Accumulation. The total value of your accumulation units under the Contract.

Accumulation Period. The period during which Investment Account accumulations are held under a contract prior to their being annuitized or otherwise paid out. Sometimes referred to herein as the “accumulation phase.”

Accumulation Unit. A share of participation in an Investment Account for someone in the accumulation period. An Investment Account has its own accumulation unit value, which changes each Valuation Day.

Business Day. Any day the New York Stock Exchange (“NYSE”) or its affiliated exchanges NYSE Arca Equities or NYSE American (collectively with NYSE, the “NYSE Exchanges”) is open for trading. A Business Day generally ends at 4 p.m. Eastern Time or when trading closes on the NYSE Exchanges, if earlier. A Business Day may end early only as of the latest closing time of the regular (or core) trading session of any of the NYSE Exchanges.

Contract(s). The individual and group variable annuity contracts, including your certificate and any endorsements under the Contract.

Employer. Your employer is the organization that may remit premiums you paid under the Contract.

Fund(s) or Underlying Fund(s). An investment company that is registered with the SEC in which an Investment Account invests. The Funds available under the Contract, subject to your employer’s plan, are listed in “Appendix A—Funds Available under the Contract” in this prospectus.

Investment Account. This term describes a subaccount of the separate account, which invests its assets exclusively in a corresponding fund. This term does not include the TIAA Real Estate Account, the TIAA Traditional Annuity, and the CREF accounts. Not all Investment Accounts listed in this prospectus are available to you as an investment option and are subject to your employer’s plan.

Premiums. Monies remitted under a Contract to purchase accumulation units.

 

2   Updating Summary Prospectus  ∎  TIAA Access    

Separate Account. The TIAA Separate Account VA-3 of Teachers Insurance and Annuity Association of America (“TIAA Access Account”) is designated as “VA-3” and was established by TIAA in accordance with New York law to provide benefits under your Contract and other Contracts. The assets and liabilities of TIAA Separate Account VA-3 are segregated from the assets and liabilities of the general account, and from the assets and liabilities of any other TIAA separate accounts.

Teachers Insurance and Annuity Association of America. Referred to as TIAA throughout this prospectus. The terms “TIAA,” “we,” “us,” and “our” are used interchangeably and all refer to Teachers Insurance and Annuity Association of America.

You or Your. This means any contract owner or any prospective contract owner. In certain instances, in accordance with the terms of your employer plan, your employer may exercise or limit certain rights under your Contract or certificate.

Valuation Day. Any Business Day as well as the last day of each calendar month.

 

    TIAA Access  ∎  Updating Summary Prospectus     3  

Updated information about your Contract

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the Prospectus dated May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

Underlying Funds

Effective September 30, 2025, the Nuveen Lifecycle 2070 Fund and Nuveen Lifecycle Index 2070 fund have been added as underlying investment in the Nuveen Lifecycle and Nuveen Lifecycle Index Portfolios, both of which are the same share class as other Nuveen funds; however, the fund as an investment option is subject to the terms of your employer’s plan. Additional information about the funds is available below under “Appendix A—Funds available under the Contract.”

 

4   Updating Summary Prospectus  ∎  TIAA Access    

Important information you should consider about the Contract

 

               Location in Prospectus

FEES, EXPENSES AND ADJUSTMENTS

      
  Are There Charges for Early Withdrawals?   No, the Contract does not impose a withdrawal charge, but the Underlying Funds may impose a fee in connection with a withdrawal from an Investment Account.   Withdrawals and surrenders
  Are There Transaction Charges?   No, the Contract does not impose a transfer charge, except that Underlying Funds may impose transfer fees and loan fees may apply if your employer’s plan provides for loans and you request one.  

Transfers and access to your money

Loans

  Are there Ongoing Fees and Expenses (annual charges)?   The table below describes the fees and expenses that you may pay each year, depending on the options you choose. The fees and expenses in the table do not reflect any advisory fees you may elect to pay to financial intermediaries. Please refer to your plan documents for information about the specific fees you will pay each year based on the options you have elected.    
       

Annual Fee

  

Minimum

  

Maximum

    
   

Base Contract

(varies by Contract Levels 1–4)1

   0.10%²   0.75%²   What are the charges and expenses of the Contract?
    Investment Options (Underlying Fund fees and expenses)   0.02%³   1.10%   Appendix A—Funds available under the Contract
    Optional benefits available for an additional charge (for a single optional benefit, if elected)4   None   None   Transfers and access to your money
   

¹  A Level 1 Contract will have the lowest minimum Annual Base Contract Fee and a Level 4 Contract will have the highest maximum Annual Base Contract Fee.

²  As a percentage of average Accumulation. The contractual maximum fee is 2.00%.

³  As a percentage of fund assets (after contractual fee waiver/expense reimbursements, if applicable).

4  There is no charge for any elected optional benefit under your Contract.

    

 

    TIAA Access  ∎  Updating Summary Prospectus     5  

               Location in Prospectus
    Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract.  
       

Lowest Annual Costs: $119

  

Highest Annual Cost: $1,707

    
   

Assumes:

●

Investment of $100,000

●

5% annual appreciation

●

Least expensive combination of Contract Levels1 and Underlying Fund fees and expenses

●

No optional benefits

●

No sales charges or advisory fees

●

No additional purchase payments, transfers or withdrawals

  

Assumes:

●

Investment of $100,000

●

5% annual appreciation

●

Most expensive combination of Contract Levels,2 optional benefits3 and Underlying Fund fees and expenses

●

No sales charges or advisory fees

●

No additional purchase payments, transfers or withdrawals

    
       

1  Includes the lowest annual cost of a Contract Level, which is a Level 1 Contract.

2  Includes the highest annual cost of a Contract Level, which is a Level 4 Contract.

3  There is no charge for any elected optional benefit under your Contract.

    

RISKS

        
  Is there a Risk of Loss from Poor Performance?   You can lose money by investing in your Contract, including loss of principal.   Principal risks of investing in the Contract
  Is This a Short-Term Investment?  

●

The Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.

 

●

Subject to your employer’s plan, investors may not be able to redeem their Accumulation from their Contract, except under limited circumstances. If redemptions are permitted, those redemptions could result in taxes and tax penalties.

 

●

The benefits of a tax deferred product, adding Premiums over time to the value of your Contract and income earned over the long-term means the Contract is generally more beneficial to investors with a long-term horizon.

 

●

If you make a withdrawal, it will reduce the value of your Contract and the amount of money you will receive when you annuitize and may also result in taxes and penalties.

   Principal risks of investing in the Contract
  What Are the Risks Associated with Investment Options?  

●

An investment in the Contract is subject to the risk of poor investment performance. Performance can vary depending on the performance of the investment options that you choose under the Contract (e.g., Underlying Funds).

 

●

Each investment option (including any fixed account investment option) has its own unique risks.

 

●

You should review the investment options before making an investment decision.

   Principal risks of investing in the Contract

 

6   Updating Summary Prospectus  ∎  TIAA Access    

               Location in Prospectus
    What Are the Risks Related to the Insurance Company?   An investment in the Contract is subject to risks related to TIAA, and any obligations, guarantees or benefits of the Contract are subject to TIAA’s claims-paying ability. More information about TIAA, including its financial strength ratings, is available by visiting our website at www.tiaa.org/public/.   Principal risks of investing in the Contract

RESTRICTIONS

      
  Are There Restrictions on the Investments Options?  

●

Not all of the Underlying Funds listed in this prospectus under “Appendix A—Funds available under the Contract” may be available under your employer’s plan. You may only invest in those Underlying Funds under the terms of your employer’s plan.

  

The Investment Accounts

Appendix A—Funds available under the Contract

   

●

Your employer’s plan may impose additional restrictions, including restrictions on allocations of Premiums and transfers of Accumulation. Please see your employer’s plan.

   The Investment Accounts
   

●

We reserve the right to stop accepting additional purchase payments.

  
   

●

We have adopted policies and procedures to discourage market timing and frequent transaction activity and to control certain transfer activity.

   Market Timing and Excessive Trading Policy
   

●

We reserve the right to limit transfers and exchanges into or out of an Investment Account in circumstances of frequent activity.

   Market Timing and Excessive Trading Policy
     

●

No, TIAA generally does not restrict the amount or frequency of payment of Premiums to your Contract, although we may in the future. Your employer’s retirement plan may limit your premium amounts. We reserve the right to limit to $300,000 the total Premiums paid on your Contract and any other TIAA annuity contract on your life in any twelve-month period. In addition, the IRC limits the total annual Premiums you may invest in plans qualified for favorable tax treatment. TIAA will not accept Premiums after your annuity starting date or death.

   Premium
    Are There Any Restrictions on Contract Benefits?  

●

To the extent any optional benefits are available under your Contract, they are subject to a minimum dollar amount.

   Transfers and access to your money

TAXES

    
  What Are the Contract’s Tax Implications?  

●

You should consult with a tax professional to determine the tax implications of an investment in and purchase payments received under the Contract.

   Possible Adverse Tax Consequences
   

●

Generally, you are not taxed until you make a withdrawal from the Contract. Withdrawals on your Contract will be subject to ordinary income tax and may be subject to a 10% premature distribution tax penalty if taken before age 591⁄2.

   Taxation on withdrawals
   

●

Subject to your employer’s plan, premium taxes may apply with respect to the Contract.

   Premium Taxes
       

●

If you purchase the Contract through a tax-qualified plan, you do not get any additional tax benefit.

   Tax Deferral

 

    TIAA Access  ∎  Updating Summary Prospectus     7  

               Location in Prospectus

CONFLICTS OF INTEREST

    
  How are Investment Professionals Compensated?   Your TIAA financial professional has an incentive to recommend products or services available through TIAA, including this Contract, that increase his or her compensation (in the form of an additional cash benefit, e.g., a bonus) and the compensation to TIAA and its affiliates. As such, your TIAA financial professional has a conflict of interest when they offer or recommend this Contract over another investment. Learn more about our compensation practices and related conflicts of interest at TIAA.org/relationshipdisclosures.   Conflicts of interest
  Should I Exchange My Contract?   Some TIAA financial professionals may have a financial incentive to offer you a new Contract in place of one you already own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both Contracts, and the fees and penalties in terminating the existing Contract, that it is preferable for you to purchase the new Contract rather than continue to own the existing contract.   Conflicts of interest

 

8   Updating Summary Prospectus  ∎  TIAA Access    

Appendix A—Funds available under the Contract

The following is a list of Funds available under the Contract. The availability of Funds to invest in may vary by Employer and you should refer to your plan documents for the list of available Funds. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at: www.tiaa.org/access_pro. You can also request this information at no cost by calling 800-842-2252, or by sending an email request to: [email protected].

The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance.

 

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Fixed Income

  

Nuveen Bond Index Fund (Class R6)

Teachers Advisors, LLC

     0.07 %      7.11 %      -0.45 %      1.89 % 

Fixed Income

  

Nuveen Core Bond Fund (Class R6)

Teachers Advisors, LLC

     0.29 %      7.36 %      0.14 %      2.57 % 

Equity

  

Nuveen Core Equity Fund (Class R6)

Teachers Advisors, LLC

     0.40 %      14.11 %      13.80 %      14.12 % 

Fixed Income

  

Nuveen Core Impact Bond Fund (Class R6)

Teachers Advisors, LLC

     0.35 %      7.50 %      -0.10 %      2.32 % 

Fixed Income

  

Nuveen Core Plus Bond Fund (Class R6)

Teachers Advisors, LLC

     0.30 %      7.34 %      0.47 %      2.84 % 

Equity

  

Nuveen Emerging Markets Equity Fund
(Class R6)

Teachers Advisors, LLC

     0.89 %      36.05 %      0.61 %      7.06 % 

Equity

  

Nuveen Emerging Markets Equity Index Fund
(Class R6)

Teachers Advisors, LLC

     0.15 %      34.13 %      3.87 %      8.20 % 

Equity

  

Nuveen Equity Index Fund (Class R6)

Teachers Advisors, LLC

     0.04 %      17.07 %      13.11 %      14.25 % 

Fixed Income

  

Nuveen Green Bond Fund (Class R6)

Teachers Advisors, LLC

     0.45 %¹      6.74 %      0.25 %      N/A  

Fixed Income

  

Nuveen High Yield Fund (Class R6)

Teachers Advisors, LLC

     0.36 %      8.39 %      4.54 %      5.92 % 

Fixed Income

  

Nuveen Inflation Linked Bond Fund (Class R6)

Teachers Advisors, LLC

     0.26 %      7.08 %      2.43 %      3.15 % 

Fixed Income

  

Nuveen International Bond Fund (Class R6)

Teachers Advisors, LLC

     0.60 %¹      4.24 %      0.61 %      N/A  

 

    TIAA Access  ∎  Updating Summary Prospectus     9  

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Equity

  

Nuveen International Equity Fund (Class R6)

Teachers Advisors, LLC

     0.45 %      33.33 %      8.23 %      8.03 % 

Equity

  

Nuveen International Equity Index Fund (Class R6)

Teachers Advisors, LLC

     0.05 %      31.58 %      9.02 %      8.36 % 

Equity

  

Nuveen International Opportunities Fund (Class R6)

Teachers Advisors, LLC

     0.60 %      20.39 %      1.78 %      7.68 % 

Equity

  

Nuveen International Responsible Equity Fund (Class R6)

Teachers Advisors, LLC

     0.33 %      28.59 %      8.58 %      8.33 % 

Equity

  

Nuveen Large Cap Growth Fund (Class R6)

Teachers Advisors, LLC

     0.40 %      15.59 %      11.51 %      15.80 % 

Equity

  

Nuveen Large Cap Growth Index Fund (Class R6)

Teachers Advisors, LLC

     0.05 %      18.50 %      15.26 %      18.06 % 

Equity

  

Nuveen Large Cap Responsible Equity Fund (Class R6)

Teachers Advisors, LLC

     0.17 %      16.61 %      11.93 %      13.68 % 

Equity

  

Nuveen Large Cap Value Fund (Class R6)

Teachers Advisors, LLC

     0.40 %      17.49 %      12.74 %      10.79 % 

Equity

  

Nuveen Large Cap Value Index Fund (Class R6)

Teachers Advisors, LLC

     0.05 %      15.84 %      11.27 %      10.48 % 

Asset Allocation

  

Nuveen Lifecycle Retirement Income Fund (Class R6)

Teachers Advisors, LLC

     0.37 %¹      11.78 %      4.55 %      6.23 % 

Asset Allocation

  

Nuveen Lifecycle 2010 Fund (Class R6)

Teachers Advisors, LLC

     0.36 %¹      11.42 %      4.49 %      6.29 % 

Asset Allocation

  

Nuveen Lifecycle 2015 Fund (Class R6)

Teachers Advisors, LLC

     0.37 %¹      11.68 %      4.67 %      6.60 % 

Asset Allocation

  

Nuveen Lifecycle 2020 Fund (Class R6)

Teachers Advisors, LLC

     0.39 %¹      12.41 %      5.06 %      7.07 % 

Asset Allocation

  

Nuveen Lifecycle 2025 Fund (Class R6)

Teachers Advisors, LLC

     0.39 %¹      13.00 %      5.59 %      7.69 % 

Asset Allocation

  

Nuveen Lifecycle 2030 Fund (Class R6)

Teachers Advisors, LLC

     0.40 %¹      14.18 %      6.35 %      8.43 % 

Asset Allocation

  

Nuveen Lifecycle 2035 Fund (Class R6)

Teachers Advisors, LLC

     0.41 %¹      15.30 %      7.19 %      9.18 % 

Asset Allocation

  

Nuveen Lifecycle 2040 Fund (Class R6)

Teachers Advisors, LLC

     0.42 %¹      17.02 %      8.28 %      10.05 % 

Asset Allocation

  

Nuveen Lifecycle 2045 Fund (Class R6)

Teachers Advisors, LLC

     0.43 %¹      18.13 %      9.01 %      10.63 % 

Asset Allocation

  

Nuveen Lifecycle 2050 Fund (Class R6)

Teachers Advisors, LLC

     0.44 %¹      18.74 %      9.33 %      10.84 % 

 

10   Updating Summary Prospectus  ∎  TIAA Access    

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Asset Allocation

  

Nuveen Lifecycle 2055 Fund (Class R6)

Teachers Advisors, LLC

     0.45 %¹      18.88 %      9.44 %      10.95 % 

Asset Allocation

  

Nuveen Lifecycle 2060 Fund (Class R6)

Teachers Advisors, LLC

     0.45 %¹      19.08 %      9.55 %      11.06 % 

Asset Allocation

  

Nuveen Lifecycle 2065 Fund (Class R6)

Teachers Advisors, LLC

     0.45 %¹      19.19 %      9.71 %      N/A  

Asset Allocation

  

Nuveen Lifecycle 2070 Fund (Class R6)

Teachers Advisors, LLC

     0.45 %¹      N/A       N/A       N/A  

Asset Allocation

  

Nuveen Lifecycle Index Retirement Income Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      12.93 %      4.79 %      6.37 % 

Asset Allocation

  

Nuveen Lifecycle Index 2010 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      12.08 %      4.47 %      6.28 % 

Asset Allocation

  

Nuveen Lifecycle Index 2015 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      12.91 %      4.95 %      6.78 % 

Asset Allocation

  

Nuveen Lifecycle Index 2020 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      13.73 %      5.42 %      7.31 % 

Asset Allocation

  

Nuveen Lifecycle Index 2025 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      14.49 %      6.02 %      8.01 % 

Asset Allocation

  

Nuveen Lifecycle Index 2030 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      15.74 %      6.84 %      8.80 % 

Asset Allocation

  

Nuveen Lifecycle Index 2035 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      17.00 %      7.77 %      9.63 % 

Asset Allocation

  

Nuveen Lifecycle Index 2040 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      18.83 %      8.97 %      10.58 % 

Asset Allocation

  

Nuveen Lifecycle Index 2045 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      20.11 %      9.80 %      11.22 % 

Asset Allocation

  

Nuveen Lifecycle Index 2050 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      20.72 %      10.13 %      11.46 % 

Asset Allocation

  

Nuveen Lifecycle Index 2055 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      20.93 %      10.27 %      11.59 % 

Asset Allocation

  

Nuveen Lifecycle Index 2060 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      21.08 %      10.41 %      11.72 % 

Asset Allocation

  

Nuveen Lifecycle Index 2065 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      21.22 %      10.59 %      N/A  

Asset Allocation

  

Nuveen Lifecycle Index 2070 Fund (Class R6)

Teachers Advisors, LLC

     0.10 %¹      N/A       N/A       N/A  

Equity

  

Nuveen Quant Mid Cap Growth Fund (Class R6)

Teachers Advisors, LLC

     0.50 %      4.48 %      -1.05 %      8.07 % 

Equity

  

Nuveen Mid Cap Value Opportunities Fund (Class R6)

Nuveen Fund Advisors, LLC (Investment adviser) and Nuveen Asset Management, LLC (Subadviser)

     0.76 %¹      10.10 %      11.46 %      N/A  

 

    TIAA Access  ∎  Updating Summary Prospectus     11  

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Equity

  

Nuveen Mid Cap Value Fund (Class R6)

Teachers Advisors, LLC

     0.46 %      10.22 %      10.75 %      8.55 % 

Money Market

  

Nuveen Money Market Fund (Class R6)

Teachers Advisors, LLC

     0.12 %      4.24 %      3.17 %      2.11 % 

Equity

  

Nuveen Quant Small/Mid Cap Equity Fund (Class R6)

Teachers Advisors, LLC

     0.46 %      16.20 %      12.92 %      N/A  

Equity

  

Nuveen Quant Small Cap Equity Fund (Class R6)

Teachers Advisors, LLC

     0.40 %      16.48 %      11.20 %      11.18 % 

Equity

  

Nuveen Real Estate Securities Select Fund (Class R6)

Teachers Advisors, LLC

     0.50 %      2.09 %      3.69 %      6.00 % 

Equity

  

Nuveen S&P 500 Index Fund (Class R6)

Teachers Advisors, LLC

     0.05 %      17.82 %      14.37 %      14.76 % 

Fixed Income

  

Nuveen Short Duration Impact Bond Fund (Class R6)

Teachers Advisors, LLC

     0.35 %¹      5.91 %      2.48 %      N/A  

Fixed Income

  

Nuveen Short Term Bond Fund (Class R6)

Teachers Advisors, LLC

     0.27 %      5.90 %      2.72 %      2.68 % 

Fixed Income

  

Nuveen Short Term Bond Index Fund (Class R6)

Teachers Advisors, LLC

     0.07 %      5.30 %      1.93 %      1.99 % 

Equity

  

Nuveen Small Cap Blend Index Fund (Class R6)

Teachers Advisors, LLC

     0.05 %      12.79 %      6.17 %      9.74 % 

Equity

  

Nuveen Winslow Large-Cap Growth ESG Fund (Class R6)

Nuveen Fund Advisors, LLC (Investment adviser) and Winslow Capital Management, LLC (Subadviser)

     0.54 %¹      13.03 %      13.04 %      16.52 % 

Specialty

  

Amana Growth Fund (Institutional Shares)

Saturna Capital Corporation

     0.61 %      17.89 %      12.91 %      16.66 % 

Equity

  

Amana Income Fund (Institutional Class)

Saturna Capital Corporation

     0.76 %      16.65 %      11.04 %      11.88 % 

Fixed Income

  

Amana Participation Fund (Institutional Shares)

Saturna Capital Corporation

     0.59 %      6.32 %      1.71 %      2.63 % 

Equity

  

American Beacon Man Large Cap Growth Fund (Class R6)

American Beacon Advisors, Inc. (Investment adviser) and Numeric Investors, LLC (Subadviser)

     0.78 %      16.25 %      11.59 %      14.38 % 

Equity

  

American Century Mid Cap Value Fund (Class R6)

American Century Investment Management, Inc.

     0.62 %      9.34 %      9.15 %      9.43 % 

Equity

  

American Funds EUPAC Fund (Class R6)

Capital Research and Management Company

     0.47 %      29.18 %      4.59 %      8.46 % 

 

12   Updating Summary Prospectus  ∎  TIAA Access    

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Specialty

  

American Funds New Perspective Fund (Class R6)

Capital Research and Management Company

     0.40 %      21.62 %      9.37 %      13.05 % 

Equity

  

American Funds Washington Mutual Investors Fund (Class R6)

Capital Research and Management Company

     0.26 %      17.52 %      14.31 %      13.49 % 

Equity

  

Ariel Appreciation Fund (Institutional Class)

Ariel Investments, LLC

     0.84 %      11.49 %      7.90 %      8.28 % 

Fixed Income

  

BlackRock High Yield Fund (Class K)

BlackRock Advisors, LLC (Investment Adviser) and BlackRock International Limited (Subadviser)

     0.48 %      9.45 %      5.12 %      6.56 % 

Fixed Income

  

BlackRock Inflation Protected Bond Fund (Class K)

BlackRock Advisors, LLC (Investment Adviser) and BlackRock International Limited and BlackRock (Singapore) Limited (Subadviser)

     1.04 %¹      7.05 %      1.17 %      3.09 % 

Fixed Income

  

BlackRock Total Return Fund (Class K)

BlackRock Advisors, LLC (Investment Adviser) and BlackRock International Limited and BlackRock (Singapore) Limited (Subadviser)

     0.37 %      8.19 %      -0.08 %      2.49 % 

Equity

  

Champlain Mid Cap Fund (Institutional Class)

Champlain Investment Partners, LLC

     0.84 %      1.70 %      2.83 %      10.73 % 

Equity

  

DFA Emerging Markets Portfolio (Institutional Class)

Dimensional Fund Advisors LP (Investment adviser) and

Dimensional Fund Advisors Ltd. and DFA Australia Limited (Subadviser)

     0.36 %¹      33.57 %      6.59 %      9.17 % 

Equity

  

DFA US Sustainability Core 1 Portfolio (Institutional Class)

Dimensional Fund Advisors LP

     0.17 %      15.93 %      13.43 %      14.55 % 

Equity

  

Dodge & Cox International Stock Fund (Class I)

Dodge & Cox

     0.62 %      38.71 %      11.70 %      9.14 % 

Equity

  

Invesco Discovery Mid Cap Growth Fund (Class R6)

Invesco Advisers, Inc.

     0.67 %      5.18 %      4.16 %      11.52 % 

Equity

  

iShares Russell Mid-Cap Index Fund (Class K)

BlackRock Advisors, LLC (Investment adviser) and

BlackRock Fund Advisors (Subadviser)

     0.04 %      10.48 %      8.67 %      10.99 % 

Fixed Income

  

JPMorgan Core Plus Bond Fund (Class R6)

JPMorgan Investment Management Inc.

     0.38 %¹      8.06 %      0.63 %      2.79 % 

Equity

  

JPMorgan Equity Income Fund (Class R6)

JPMorgan Investment Management Inc.

     0.45 %      14.87 %      10.92 %      11.12 % 

 

    TIAA Access  ∎  Updating Summary Prospectus     13  

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Equity

  

JPMorgan Large Cap Growth Fund (Class R6)

JPMorgan Investment Management Inc.

     0.44 %¹      14.40 %      12.97 %      18.56 % 

Equity

  

JPMorgan Small Cap Value Fund (Class R6)

JPMorgan Investment Management Inc.

     0.74 %¹      12.41 %      9.93 %      9.01 % 

Equity

  

Lazard International Equity Portfolio (Class R6)

Lazard Asset Management LLC

     1.10 %¹      33.12 %      7.95 %      6.82 % 

Fixed Income

  

Lord Abbett High Yield Fund (Class R6)

Lord Abbett & Co. LLC

     0.63 %      7.55 %      3.61 %      5.69 % 

Specialty

  

MFS International Diversification Fund (Class R6)

Massachusetts Financial Services Company

     0.73 %¹      27.96 %      6.88 %      9.21 % 

Equity

  

MFS Mid Cap Growth Fund (Class R6)

Massachusetts Financial Services Company

     0.65 %¹      3.81 %      3.46 %      11.52 % 

Equity

  

MFS Mid Cap Value Fund (Class R6)

Massachusetts Financial Services Company

     0.61 %¹      6.49 %      10.43 %      10.15 % 

Equity

  

MFS Value Fund (Class R6)

Massachusetts Financial Services Company

     0.44 %¹      13.27 %      10.20 %      10.33 % 

Equity

  

Nationwide Geneva Small Cap Growth Fund (Class R6)

Nationwide Fund Advisors (Investment adviser) and

Geneva Capital Management LLC (Subadviser)

     0.82 %      -8.26 %      1.60 %      10.37 % 

Equity

  

Nomura Emerging Markets Fund (Class R6)

Delaware Management Company (Investment adviser) a series of Nomura Investment Management Business Trust

    1.06 %¹      87.21 %      10.47 %      N/A  

Equity

  

Nomura Small Cap Value Fund (Class R6)

Delaware Management Company (Investment adviser) a series of Nomura Investment Management Business Trust

    0.71 %      8.10 %      9.31 %      N/A  

Equity

  

Northern World Selection Index Fund (Class K)

Northern Trust Investments, Inc.

     0.24 %      21.02 %      12.36 %      12.31 % 

Fixed Income

  

NYLI Mackay High Yield Corporate Bond Fund (Class R6)

MacKay Shields LLC (Subadviser)

     0.57 %      7.10 %      4.53 %      6.14 % 

Equity

  

Parnassus Core Equity Fund (Institutional Shares)

Parnassus Investments, LLC

     0.61 %      11.88 %      11.64 %      13.56 % 

Equity

  

Parnassus Mid Cap Fund (Institutional Shares)

Parnassus Investments, LLC

     0.75 %¹      13.08 %      5.22 %      9.24 % 

Equity

  

Parnassus Mid Cap Growth Fund (Institutional Shares)

Parnassus Investments, LLC

     0.68 %¹      9.34 %      3.67 %      9.12 % 

 

14   Updating Summary Prospectus  ∎  TIAA Access    

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Equity

  

Parnassus Value Equity Fund (Institutional Shares)

Parnassus Investments, LLC

     0.65 %¹      19.32 %      11.62 %      14.11 % 

Fixed Income

  

PGIM Total Return Bond Fund (Class R6)

PGIM Investments LLC (Investment Adviser) and

PGIM Fixed Income (Subadviser)

     0.39 %¹      7.79 %      0.14 %      3.01 % 

Equity

  

T. Rowe Price® Blue Chip Growth Fund (I Class)

T. Rowe Price® Associates, Inc.

     0.57 %      18.94 %      11.85 %      15.81 % 

Equity

  

T. Rowe Price® Large-Cap Growth Fund (I Class)

T. Rowe Price® Associates, Inc.

     0.55 %      17.65 %      12.46 %      16.91 % 

Equity

  

T. Rowe Price® Integrated U.S. Small-Cap Growth Equity Fund (I Class)

T. Rowe Price® Associates, Inc.

     0.65 %      10.32 %      5.56 %      N/A  

Fixed Income

  

Templeton Global Bond Fund (Class R6)

Franklin Advisers, Inc.

     0.59 %¹      17.16 %      -0.88 %      0.33 % 

Equity

  

Vanguard® Balanced Index Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.07 %      13.58 %      7.75 %      9.50 % 

Index

  

Vanguard® Emerging Markets Stock Index Fund (Institutional Plus Shares)

The Vanguard Group, Inc.

     0.05 %      24.82 %      4.69 %      8.16 % 

Equity

  

Vanguard® Equity Income Fund (Admiral Shares)

Wellington Management Company, LLP and The Vanguard Group, Inc.

     0.17 %      17.22 %      12.82 %      11.73 % 

Equity

  

Vanguard® Explorer Fund (Admiral Shares)

ArrowMark Partners; ClearBridge Investments, LLC; Stephens Investment Management Group, LLC; Wellington Management Company, LLP and The Vanguard Group, Inc.

     0.28 %      7.23 %      4.88 %      11.47 % 

Equity

  

Vanguard® Extended Market Index Fund (Institutional Plus Shares)

The Vanguard Group, Inc.

     0.04 %      11.42 %      6.21 %      11.03 % 

Money Market

  

Vanguard® Federal Money Market Fund (Investor Shares)

The Vanguard Group, Inc.

     0.11 %      4.22 %      3.20 %      2.14 % 

Equity

  

Vanguard® FTSE Social Index Fund (Institutional Shares)

The Vanguard Group, Inc.

     0.03 %      17.31 %      13.54 %      15.17 % 

Fixed Income

  

Vanguard® Inflation-Protected Securities Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.10 %      6.87 %      1.03 %      2.98 % 

Equity

  

Vanguard® Institutional Index Fund (Institutional Plus Shares)

The Vanguard Group, Inc.

     0.02 %      17.86 %      14.40 %      14.80 % 

 

    TIAA Access  ∎  Updating Summary Prospectus     15  

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Fixed Income

  

Vanguard® Intermediate-Term Treasury Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.10 %      7.63 %      -0.04 %      1.82 % 

Equity

  

Vanguard® Mid-Cap Index Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.05 %      11.67 %      8.60 %      10.91 % 

Equity

  

Vanguard® Real Estate Index Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.13 %      3.19 %      4.64 %      5.14 % 

Equity

  

Vanguard® Selected Value Fund (Investor Shares)

Cooke & Bieler, LP; Donald Smith & Co., Inc. and Pzena Investment Management, LLC

     0.34 %      10.98 %      12.01 %      10.43 % 

Equity

  

Vanguard® Small-Cap Index Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.05 %      8.83 %      7.34 %      10.43 % 

Equity

  

Vanguard® Small-Cap Value Index Fund (Institutional Shares)

The Vanguard Group, Inc.

     0.05 %      9.10 %      10.57 %      10.16 % 
Fixed Income  

Vanguard® Total Bond Market Index Fund (Institutional Plus Shares)

The Vanguard Group, Inc.

     0.02 %      7.17 %      -0.40 %      2.01 % 

Fixed Income

  

Vanguard® Total International Bond Index Fund (Institutional Shares)

The Vanguard Group, Inc.

     0.03 %      3.02 %      -0.18 %      2.13 % 

Equity

  

Vanguard® Total International Stock Index Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.09 %      32.18 %      7.93 %      8.51 % 

Equity

  

Vanguard® Total Stock Market Index Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.04 %      17.12 %      13.06 %      14.24 % 

Equity

  

Vanguard® Total World Stock Index Fund (Admiral Shares)

The Vanguard Group, Inc.

     0.09 %      22.43 %      10.98 %      N/A  

Money Market

  

Vanguard® Treasury Money Market Fund (Investor Shares)

The Vanguard Group, Inc.

     0.07 %      4.23 %      3.19 %      2.13 % 

Equity

  

Vanguard® Wellington Fund (Admiral Shares)

Wellington Management Company, LLP

     0.17 %      16.57 %      9.37 %      10.10 % 

 

16   Updating Summary Prospectus  ∎  TIAA Access    

             

Average Annual Total Returns

(12/31/25)

  
Type   Fund and Adviser/Subadviser  

Current

Expenses

     One
year		     Five
year		     Ten
year		  

Fixed Income

  

Western Asset Core Plus Bond Fund (Class IS)

Franklin Templeton Fund Adviser, LLC (Investment adviser)

Western Asset Management Company, LLC; Western Asset Management Company Limited in London; Western Asset Management Company Pte. Ltd. in Singapore and Western Asset Management Company Ltd in Japan (Subadviser)

     0.41 %1      8.01 %      -1.81 %      2.17 % 

 

1

The Fund’s annual expenses reflect temporary fee reductions.

 

    TIAA Access  ∎  Updating Summary Prospectus     17  

This Updating Summary Prospectus incorporates by reference the TIAA Access Prospectus (“Prospectus”) and Statement of Additional Information (“SAI”), both dated May 1, 2026, as may be amended or supplemented from time to time, and both include additional information.

The Prospectus and SAI are available without charge upon request. To obtain a free copy of the Prospectus and SAI and make inquiries about your Contract, you may visit our website at: www.tiaa.org/access_pro; by calling us toll-free at 800-842-2252; or by writing us at our home office located at 730 Third Avenue, New York, New York 10017-3206 (attention: TIAA Imaging Services).

You may also obtain reports and other information about the Separate Account on the SEC’S website at www.sec.gov and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].

How to reach us

 

By mail

Send all notices, forms, requests or payments to:

TIAA

P.O. Box 1259

Charlotte, NC 28201

TIAA website

Account performance, personal account information and transactions, product descriptions, and information about investment choices and income options

TIAA.org

24 hours a day, 7 days a week

Automated telephone service

Check account performance and accumulation balances, change allocations, transfer funds and verify credited premiums

800-842-2252

24 hours a day, 7 days a week

National Contact Center

Retirement saving and planning, income options and payments, Beneficiary services and tax reporting

800-842-2252

8 a.m. to 10 p.m. (ET), Monday–Friday

For the hearing- or speech-impaired

800-842-2755

8 a.m. to 10 p.m. (ET), Monday–Friday

TIAA Brokerage Services

Self-directed brokerage accounts for investing in stocks, bonds and mutual funds

800-927-3059

8 a.m. to 7 p.m. (ET), Monday–Friday

Advisor services

888-842-0318

8 a.m. to 7:30 p.m. (ET), Monday–Friday

 

 

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EDGAR Contract Identifier: C000035389    A41191 (5/26)

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New York, NY 10017-3206

 

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EDGAR Contract Identifier. C000035389    A41191 (5/26)

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