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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


November 2, 2015 Announcement:  Today the Bureau of the Public Debt announced earnings rates for Series I Savings Bonds and Series EE Savings Bonds, issued from November 2, 2015 through April 30, 2016.   Read about it at "Current Series-I Bond Interest Rates."
 
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. For the next six months, the earnings rate combines a 0.10% fixed rate of return with the 1.54% annualized rate of inflation as measured by the Consumer Price Index for all Urban Consumers (CPI-U). 
 
==>Thus, the current I Bond Composite Earnings Rate is 1.64% with a fixed rate of 0.10%
==> Composite Rates for Older Series I Bonds
==> More information at New Series I Bonds Offer Attractive Rates, a Seeking Alpha Article

==> Top CD and Savings Account Rates: (Select your amount to find the best rates) <==

I Bond Base Rate History
DATE FIXED RATE*
NOV 1, 2015
0.10%
MAY 1, 20150.00%
NOV 1, 2014
0.00%
MAY 1, 20140.10%
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 0.10% fixed rate of return with the 1.54% annualized rate of inflation as measured by the Consumer Price Index for all Urban Consumers (CPI-U). The CPI-U increased from 236.119 in March 2015 to 237.945 in September 2015, a six-month change of +0.77%.


 
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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