US Treasury is offering a 5.51% annualized interest rate for the first 6 months on new Series I Savings Bonds purchased from November 2026 through April 2027.
You can purchase up to $10,000 per person per calendar year through TreasuryDirect.
How to Get This Deal
- Visit TreasuryDirect.gov
- Create a free account or sign in to your existing account
- Link your bank account if you haven't already
- Select BuyDirect and choose Series I Savings Bonds
- Enter the amount you want to purchase (minimum $25)
- Review and submit your purchase
How Does the 5.51% Interest Work?
- 1.40% fixed rate: Stays the same for the life of the bond
- 4.08% inflation rate: Adjusts every 6 months
- 5.51% combined rate: Applies to your first 6 months, then adjusts based on inflation
For example, a $10,000 investment would earn approximately $275 in interest during the first 6 months.
Important Things to Know
- 12-month lockup: You cannot cash out during the first year.
- Early withdrawal penalty: Cashing out before 5 years means losing the last 3 months of interest.
- Purchase limit: $10,000 per person per calendar year for electronic I Bonds.
- Interest: Compounds every 6 months and can continue earning for up to 30 years.
- Taxes: Interest is subject to federal income tax but exempt from state and local income taxes.
- Note: The 5.51% rate is not guaranteed beyond the first 6 months. Future rates depend on inflation.
