Anyone have a Prudential cash accumulation account?

[frisbbzepp]

I signed up for this thing but I have some questions about it. I know they offer a guaranteed minimum interest rate--does anyone know what the current rate is? Now I'm thinking that given my age (early 20s) I should be investing in stocks or something with a higher chance of return rather than going for the sure (but lower) thing. I just opened a Roth so I was considering diverting the money that I'm putting into this account into that so it can grow tax-free, as opposed to tax-deferred in the accumulation account. Anyone have any insight they can offer? Thanks.