Yields of Savings bonds
Savings Bond interest rates, rules and regulations are based on the series of bond, and when it was purchased. Click here to learn current interest rates when purchasing NEW Series EE and Series I Savings Bonds.
The Treasury Department announces new rates each May and November, and the interest rate earned by the bond is updated every six months thereafter.
Note: The announced interest rates are not the usually the rate that older bonds will earn. To learn interest rates for older bonds, click on the complimentary Savings Bond Calculator to learn current and lifetime interest rates for most paper savings bonds.
Series EE Savings Bonds issued on and after May 1, 2005 earn a fixed rate of interest for the first 20 years, set at the time of purchase. For the last 10 years, the interest rate may change. The bond will earn interest for a total of 30 years. Interest accrues monthly and is compounded semiannually.
Series EE Savings Bonds offer a minimum guaranteed return ensuring principal will at least double after 20 years. This works out to an effective annual interest rate of 3.53%.
For electronic EE bonds, with at least a June, 2003 issue date, once the bond reaches is 20th year, if the cash in value is not at least twice the purchase price (since electronic bonds are purchased at face value), the Treasury will make a one-time adjustment at the bond’s 20th anniversary to make up the difference.