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Deal Details
Treasury Direct (U.S. Government Treasury) is currently offering 5.51% Interest Rate (annualized rate for 6 Months) in combined Fixed (1.40%) + Inflation Rate (4.08%) Earnings valid on newly issued Series I Savings Bonds purchased from November 2026 through April 2027. Limit of $10,000/year per person.
Thanks to Community Member SUCHaDEAL for posting this offer.
Thanks to Community Member SUCHaDEAL for posting this offer.
- Note: Rate calculation: Fixed rate 1.40% + Inflation rate 4.08% + (Fixed rate 1.40% x Inflation semiannual rate 2.04%) = 5.50856%.
- How do I buy a Series I bond?
- Must register or sign-in to your free TreasuryDirect.gov account and link a bank account.
- Electronically: Online via TreasuryDirect (including through payroll direct deposit)
- Click here to view a Guided Tour
- Must register or sign-in to your free TreasuryDirect.gov account and link a bank account.
- What is a Series I bond? (source)
- "A savings bond that earns interest based on combining a fixed rate and an inflation rate."
- You may use Series I bonds to:
- Save in a low-risk product that helps protect your savings from inflation
- Supplement your retirement income
- Give as a gift
- Pay for education
- Click here for more information about Series I Bonds
- What interest does a Series I bond earn? (source)
- A combination of a fixed rate that stays the same for the life of the bond and an inflation rate that is set twice a year.
- An I bond earns interest monthly from the first day of the month in the issue date. The interest accrues (is added to the bond) until the bond reaches 30 years or you cash the bond, whichever comes first.
- The interest is compounded semiannually. Every six months from the bond's issue date, interest the bond earned in the six previous months is added to the bond's principal value, creating a new principal value. Interest is then earned on the new principal.
- The composite rate for I bonds issued from November 2026 through April 2027 is 5.51 percent. This rate applies for the first six months you own the bond.
- When can I cash my I bonds?
- After they are 12 months old.
- If you cash an I bond before it is five years old, you will lose the last three months of interest.
- I bonds earn interest for 30 years if you don't cash the bonds before they mature.
- If you've been affected by a disaster, special provisions may apply.
Editor's Notes
Written by ValPal2011 | Staff- Please refer to the original post & forum comments for additional details & discussion.
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
Treasury Direct (U.S. Government Treasury) is currently offering 5.51% Interest Rate (annualized rate for 6 Months) in combined Fixed (1.40%) + Inflation Rate (4.08%) Earnings valid on newly issued Series I Savings Bonds purchased from November 2026 through April 2027. Limit of $10,000/year per person.
Thanks to Community Member SUCHaDEAL for posting this offer.
Thanks to Community Member SUCHaDEAL for posting this offer.
- Note: Rate calculation: Fixed rate 1.40% + Inflation rate 4.08% + (Fixed rate 1.40% x Inflation semiannual rate 2.04%) = 5.50856%.
- How do I buy a Series I bond?
- Must register or sign-in to your free TreasuryDirect.gov account and link a bank account.
- Electronically: Online via TreasuryDirect (including through payroll direct deposit)
- Click here to view a Guided Tour
- Must register or sign-in to your free TreasuryDirect.gov account and link a bank account.
- What is a Series I bond? (source)
- "A savings bond that earns interest based on combining a fixed rate and an inflation rate."
- You may use Series I bonds to:
- Save in a low-risk product that helps protect your savings from inflation
- Supplement your retirement income
- Give as a gift
- Pay for education
- Click here for more information about Series I Bonds
- What interest does a Series I bond earn? (source)
- A combination of a fixed rate that stays the same for the life of the bond and an inflation rate that is set twice a year.
- An I bond earns interest monthly from the first day of the month in the issue date. The interest accrues (is added to the bond) until the bond reaches 30 years or you cash the bond, whichever comes first.
- The interest is compounded semiannually. Every six months from the bond's issue date, interest the bond earned in the six previous months is added to the bond's principal value, creating a new principal value. Interest is then earned on the new principal.
- The composite rate for I bonds issued from November 2026 through April 2027 is 5.51 percent. This rate applies for the first six months you own the bond.
- When can I cash my I bonds?
- After they are 12 months old.
- If you cash an I bond before it is five years old, you will lose the last three months of interest.
- I bonds earn interest for 30 years if you don't cash the bonds before they mature.
- If you've been affected by a disaster, special provisions may apply.
Editor's Notes
Written by ValPal2011 | Staff- Please refer to the original post & forum comments for additional details & discussion.
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49 Comments
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Our community has rated this post as helpful. If you agree, why not thank
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If inflation rates drop significantly and you can do better elsewhere, say in 2-2.5 years it may be worth the 3 months interest hit to get a better rate on the money elsewhere you have tied up in the bond.
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Our community has rated this post as helpful. If you agree, why not thank
Had to go thru a whole verification process prior where a bank or credit union had to vouch for you.
Wasn't able to follow thru as many would turn me away cause they would look at you with two heads, other than for say Bank Of America(had a Checking at the time) was willing to follow thru I just didn't have the time cause I would have to meet with them during a work week/work hours this was during covid when rates were like over 9% for a bond.
Now with id.me made an account with no restrictions in a matter of minutes.
My guess is your broker wouldnt have the best quotes.
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