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Series I Bond Rate History (iBonds)
Inflation Protected Bonds


I Bonds Explained - Current iBond Rates - CPI-U Table    

 
05/01/12 Update:  The Current I Bond Earnings Rate is 2.20% with a Fixed Rate of 0.00% 

The earnings rate for Series I Savings Bonds is a combination of a fixed rate, which applies for the life of the bond, and the semiannual inflation rate. The 2.20% earnings rate for I bonds bought from May 20121 through October 31, 2012 will apply for the succeeding six months after the issue date.

The earnings rate combines a 0.00% fixed rate of return with the 2.20% annualized rate of inflation as measured by the Consumer Price Index for all Urban Consumers (CPI-U). The CPI-U increased from 226.889 in September 2011 to 229.392 in March 2012, a six-month increase of 1.10%.
                                    
I-Bond Rate History
Period
 6- Month Semiannual
inflation rate
 Base Rate
 6- month
Earnings Rate
May 1, 2012 - October 31, 2012 +1.10%
 0.00%
 2.20%
November 1, 2011 - April 30, 2012 +1.53%
 0.00%
 3.06%
May 1, 2011 - October 31, 2011 +2.30%
 0.00%
 4.60%
November 1, 2010 - April 30, 2011 +0.37%
 0.00%
 0.74%
May 1, 2010 - October 31, 2010 +1.54%
 0.20%
 1.74%
November 1, 2009 - April 30, 2010
 +1.53%
 0.30%
 3.36%
May 1, 2009 - October 31, 2009 -2.78%
 0.10%
 0.00%
November 3, 2008 - April 30, 2009 +2.46%
 0.70%
 5.64%
May 1, 2008 - October 31, 2008 +2.42%
 1.40%
 4.84%
November 1, 2007 - April 30, 2008 +1.53% 1.20% 4.28%
 
I Bonds Explained - Current iBond Rates - CPI-U Table          

I bond fixed rates are determined each May 1 and November 1. Each fixed rate applies to all I-bonds issued in the six months following the rate determination.

The earnings rate for Series I Savings Bonds (aka iBonds and I-Bonds) is a combination of a fixed rate, which applies for the life of the bond, and the semiannual inflation rate.  Here's how the composite rate for I bonds issued Nov 2008 - Apr. 2009 was set:

Fixed rate = 0.70%
Semiannual inflation rate = 2.46%

Composite rate = [Fixed rate + (2 x Semiannual inflation rate) + (Fixed rate x Semiannual inflation rate)]
Composite rate = [0.0070 + (2 x 0.0246) + (0.0070 x 0.0246)]
Composite rate = [0.0070 + 0.0492 + 0.0001722]
Composite rate = [0.0563722]
Composite rate = 0.0564
Composite rate = 5.64%




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