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I Bond Rates (iBonds)
Inflation Protected Bonds

Composite Rates for Older Series I Bonds



Current I-Bond Rates  -  iBond Base Rate History


11/1/13 Update:  The Current I Bond Composite Earnings Rate is 1.38% with a Fixed Rate of 0.20%.  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 1.38% earnings rate for I bonds bought from from November 1, 2013 through April 30, 2014 will apply for the succeeding six months after the issue date.

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I Bond Base Rate History
DATE FIXED RATE*
Nov 1, 2013
0.20%
MAY 1, 2013 0.00%
NOV 1, 20120.00%
MAY 1, 2012 0.00%
NOV 1, 2011 0.00%
MAY 1, 2011 0.00%
NOV 1, 2010 0.00%
MAY 1, 2010 0.20%
NOV 1, 2009 0.30%
MAY 1, 2009 0.10%
NOV 1, 2008 0.70%
MAY 1, 2008 0.00%
NOV 1, 2007 1.20%
MAY 1, 2007 1.30%
NOV 1, 2006 1.40%
MAY 1, 2006 1.40%
NOV 1, 2005 1.00%
MAY 1, 2005 1.20%
NOV 1, 2004 1.00%
MAY 1, 2004 1.00%
NOV 1, 2003 1.10%
MAY 1, 2003 1.10%
NOV 1, 2002 1.60%
MAY 1, 2002 2.00%
NOV 1, 2001 2.00%
MAY 1, 2001 3.00%
NOV 1, 2000 3.40%
MAY 1, 2000 3.60%
NOV 1, 1999 3.40%
MAY 1, 1999 3.30%
NOV 1, 1998 3.30%
SEP 1, 1998 3.40%
  iBond Rate History

The earnings rate combines a 0.20% fixed rate of return with the 1.18% annualized rate of inflation as measured by the Consumer Price Index for all Urban Consumers (CPI-U). The CPI-U increased from 232.773 in March 2013 to 234.149 in September 2013, a six-month increase of 0.59%.

 
Inflation Bond Facts:
  • I Bonds earn interest from the first day of their issue month.
  • You can redeem them at any time after a twelve-month minimum holding period
  • They are an accrual-type security
  • They increase in value monthly and the interest is paid when you redeem the bond
  • I Bonds are sold at face value; i.e., you pay $50 for a $50 I Bond
  • I Bonds grow in value with inflation-indexed earnings for up to 30 years
  • If you redeem I Bonds before they’re five years old, you’ll forfeit the three most recent months’ interest; at or after 5-years old, you won’t be penalized.
  • *Annual rates compounded semiannually
  • Maximum purchase (per calendar year):
    $5,000 in TreasuryDirect and $5,000 in paper bonds
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.

Note: Paper savings bonds will no longer be available for purchase at financial institutions as of January 1, 2012. Electronic savings bonds in Series EE and I will remain available for purchase at www.treasurydirect.gov






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