5 CFR §842.403

1. (a)Except as provided in paragraph (b) of this section and §§ 842.405 and 842.406, the annuity of an employee or Member is 1 percent of average pay multiplied by total service.
2. (b)The annuity of an employee is 1.1 percent of average pay multiplied by total service, provided the individual—
   1. (1)Has completed 20 years of service; and
   2. (2)At the time of separation on which entitlement to an annuity is based—
      1. (i)Is at least age 62; and
      2. (ii)Is not a customs and border protection officer, a Member, Congressional employee, military reserve technician, law enforcement officer, firefighter, nuclear materials courier, or air traffic controller.