# EDGAR Filing Document

**Accession Number:** 0000777535
**File Stem:** 0000930413-25-003146
**Filing Date:** 2025-9
**Character Count:** 5996
**Document Hash:** f12afc1184213038058542dc43fd1168
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000930413-25-003146.hdr.sgml**: 20250930

**ACCESSION NUMBER**: 0000930413-25-003146

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20250930

**DATE AS OF CHANGE**: 20250930

**EFFECTIVENESS DATE**: 20250930

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLLEGE RETIREMENT EQUITIES FUND
- **CENTRAL INDEX KEY:** 0000777535

**ORGANIZATION NAME:**
- **EIN:** 136022042
- **STATE OF INCORPORATION:** NY
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 033-00480
- **FILM NUMBER:** 251358246

**BUSINESS ADDRESS:**
- **STREET 1:** 730 THIRD AVE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017
- **BUSINESS PHONE:** 2129164905

**MAIL ADDRESS:**
- **STREET 1:** 730 THIRD AVE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10017

## Series and Classes Contracts Data

### Growth Account (Series ID: S000005082)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154479 | Class R1     | QCGRRX          |
| C000154480 | Class R2     | QCGRPX          |
| C000154481 | Class R3     | QCGRIX          |
| C000234673 | Class R4     | QCGRFX          |

### Equity Index Account (Series ID: S000005083)

| Class ID   | Class Name   | Ticker Symbol   |
|:---|:---|:---|
| C000154482 | Class R1     | QCEQRX          |
| C000154483 | Class R2     | QCEQPX          |
| C000154484 | Class R3     | QCEQIX          |
| C000234674 | Class R4     | QCEQFX          |

---

| | | |
|:---|:---|:---|
| ![](x2_c114082x1x1.jpg) | &nbsp;&nbsp;&nbsp;**College**<br> **Retirement**<br> **Equities Fund** | &nbsp;&nbsp;&nbsp;**Supplement** |

---

COLLEGE RETIREMENT EQUITIES FUND ("CREF")

**CREF Equity Index Account<br> CREF Growth Account**

SUPPLEMENT NO. 1<br> dated September 30, 2025 to the Summary Prospectus for New Investors ("ISP") and the Updating Summary Prospectus ("USP")

SUPPLEMENT NO. 2<br> dated September 30, 2025 to the Statutory Prospectus ("Prospectus") dated May 1, 2025

**Important Notice Regarding Change in Name and Investment Policy**

*The Board of Trustees of CREF Equity Index Account (the "Account") has approved the following changes to the Account's name and its non-fundamental investment policy adopted pursuant to Rule 35d-1 under the Investment Company Act of 1940 ("Name Policy"), which are expected to go into effect on November 30, 2025 ("Effective Date"). Accordingly, as of the Effective Date, the following changes are incorporated into the ISP, USP and Prospectus, as applicable.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Account's name will be changed from CREF Equity Index Account to CREF S&P 500<sup>®</sup> Index Account. Therefore, as of the Effective Date, all references to the Account in the ISP, USP and Prospectus are hereby changed as follows:

---

| |
|:---|
| **Existing name** |
| CREF Equity Index Account CREF S&P 500<sup>®</sup> Index Account |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Account's existing Name Policy, which is:

"Under normal circumstances, the Account invests at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in equity securities within its specified index," will change to the following:

"Under normal circumstances, the Account invests at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in equity securities that comprise the S&P 500<sup>®</sup> Index."

Therefore, corresponding changes are made to the Prospectus as of the Effective Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For new Name Policy purposes, "equity securities" include equity securities of any type, including common stocks; preferred securities; warrants to purchase common stocks and preferred securities; convertible debt securities that are either in the money or immediately convertible into common stocks or preferred securities; common and preferred securities issued by master limited partnerships and real estate investment trusts; depositary receipts; and other securities with equity characteristics.

Therefore, corresponding changes are made to the Prospectus as of the Effective Date.

**Important Notice Regarding Change in Investment Policy**

*The Board of Trustees of CREF Growth Account (the "Account") has approved the following changes to the Account's non-fundamental investment policy adopted pursuant to Rule 35d-1 under the Investment Company Act of 1940 ("Name Policy"), which is expected to go into effect on November 30, 2025 ("Effective Date"). Accordingly, as of the Effective Date, the following changes are incorporated into the Prospectus.*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Account's existing Name Policy, which is:

"Under normal circumstances, the Account invests at least 80% of its assets in common stocks and other equity securities," will change to the following:

"Under normal circumstances, the Account invests at least 80% of its assets (net assets, plus the amount of any borrowings for investment purposes) in equity securities of large-capitalization growth companies."

Therefore, corresponding changes are made to the Prospectus as of the Effective Date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For new Name Policy purposes, large-capitalization companies are those that have market capitalizations within the range of the companies in the Russell 1000<sup>®</sup> Index on the last business day of the month in which its most recent reconstitution was completed. Growth companies are those constituents of at least one of the following indexes on the last business day of the month in which the most recent reconstitution was completed: Russell 3000<sup>®</sup> Growth Index, S&P 1500<sup>®</sup> Growth Index, MSCI World IMI Growth Index.

Therefore, corresponding changes are made to the Prospectus as of the Effective Date.

3 MGN-CREFPRO-0925P