Savings Bonds

US Savings Bonds are a safe, easy way to save

Over 55 million people are taking advantage of Savings Bonds' competitive rates. Whether you select Treasury's I-Bond or the Series EE Bond, your money will grow and remain safe into the future.

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Competitive - US Savings Bonds earn rates of return competitive with other forms of saving. Interest on Savings Bonds accrues monthly and compounds semiannually.

Safe - Savings Bonds are backed by the full faith and credit of the United States. Your Savings Bonds are registered, so the Treasury can replace them if they're lost, stolen, or mutilated.

Affordable - With as little as $25 you can start saving money with US Savings Bonds. From there you can purchase as much as $15,000 worth of Series EE Bonds and $30,000 of I Bonds each year.

Accessible - If you need money unexpectedly, Savings Bonds are easily redeemable. The longer you let your bonds grow, the more you benefit, yet you can redeem them any time after twelve months. However, Savings Bonds are designed to encourage your savings habit so if redeemed before 5 years, there is a 3-month loss of interest.

Tax Benefits - The interest earned on Savings Bonds is exempt from all state and local income taxes. Federal income taxes are deferred until the bonds reach final maturity, or you redeem them. If you qualify, using Savings Bands to pay for qualified higher education expenses may allow you to exclude your interest earned from federal income taxes as well.


I Bonds

  • Sold at face value - You pay $50 for a $50 bond
  • Available in these denominations: $50 $75 $100 $200 $500 $1,000 $5,000 $10,000
  • Offer a real rate of return over and above inflation
  • Buy as much as $30,000 per year
  • Rates announced each May 1st and November 1st. This inflation adjustment ensures that your savings earn money over and above inflation.
  • Earn interest for up to 30 years
  • Can be redeemed anytime after twelve months - 3 month interest loss if redeemed before 5 years
  • Exempt from state and local income taxes
  • Backed by the full faith and credit of the United States


Series EE Bonds

  • Sold at half their face value - You pay $25 for a $50 bond
  • Available in these denominations: $50 $75 $100 $200 $500 $1,000 $5,000 $10,000
  • Earn 90% of market rates on 5-year Treasury securities
  • Buy as much as $15,000 per year
  • Rates announced each May 1st and November 1st
  • EE Bond rates lock for 30 years
  • Earn interest for up to 30 years
  • Can be redeemed anytime after twelve months - 3 month interest loss if redeemed before 5 years
  • Exempt from state and local income taxes
  • Backed by the full faith and credit of the United States