US Treasury Series I Savings Bonds Inflation Rate Earnings (Nov '26 - Apr '27) 5.51% Interest (Annualized for 6 Months) (Limit $10K/Year Per Person)
at U.S. Department of Treasury
U.S. I Bonds offer government-backed inflation-protected savings with competitive composite rates through TreasuryDirect.
I Bonds are U.S. savings bonds issued by the U.S. Department of Treasury that offer a composite rate combining a fixed rate and a variable inflation rate. As of the recent rate-setting period, the current composite rate is competitive for risk-averse savers seeking inflation-protected returns. Bonds can be purchased directly through TreasuryDirect with a minimum investment of $25 and a maximum of $10,000 per calendar year per Social Security number. Interest is compounded semiannually and accrues for up to 30 years. Early redemption within the first five years results in a three-month interest penalty, though redemptions after five years have no penalty. I Bonds are backed by the full faith and credit of the U.S. government, making them one of the safest investment vehicles available.
FAQ
What is the minimum and maximum I can invest in I Bonds per year?
The minimum investment is $25 and the maximum is $10,000 per calendar year per Social Security number through TreasuryDirect.
What is the penalty for redeeming I Bonds early?
If redeemed within the first five years, you forfeit the last three months of interest. After five years, there is no early redemption penalty.
How long do I Bonds earn interest?
I Bonds earn interest and accrue for up to 30 years from the issue date.
Are I Bonds safe?
Yes, I Bonds are backed by the full faith and credit of the U.S. government, making them one of the safest investment options available.
