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  • Which Places Are Safe
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      • HOW FAST MONEY DOUBLES - RULE OF 72
      • Annual Percentage Yield Vs. Annual Interest Rate
      • Compound Vs. Simple Interest
      • Rate of Return
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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.
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  • How Savings Bonds Work
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Fixed Annuities

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Life Insurance

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Social Security Planning

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Critical Illness Insurance

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Banks & Credit Unions

About Safe Money Places
Safe Money Places® and this website are operated by SMP International LLC. 
If you have an questions or concerns, please contact us at 1-877-844-0900 OR contact us by filling out our form. 

Safe Money Places® does not warrant anything on this website, although we hope everything is accurate. We do not provide tax, legal, accounting, or investment advice. You need to do your own homework and consult your own experts on your personal situation. This website is protected by applicable copyright laws. You may make or print one copy of any material for personal use, further copying or distributing is prohibited without prior written permission.
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Safe Money Places® is a registered trademark of SMP International LLC. Copyright 2005 - 2017
  • Which Places Are Safe
    • Fixed Annuities >
      • Fixed Annuities Overview
      • Fixed Annuity Benefits
      • How Fixed Rate Annuities Work
      • How Fixed Index Annuities Work
      • Differences Between Fixed and Variable Annuities
    • Social Security >
      • Social Security Overview
      • How Does Social Security Work
      • What Are My Social Security Benefits
      • What If My Spouse Is Deceased
      • Strategies For Maximizing Social Security Benefits
      • How To Estimate Your Social Security Benefits
    • Life Insurance >
      • Life Insurance Overview
      • Questions To Ask Yourself About Life Insurance
      • Basic Considerations For Your Life Insurance Needs
      • Common Uses For Life Insurance
      • Term Life Insurance
      • Permanent Life Insurance
    • Savings Bonds >
      • Savings Bonds Overview
      • How Savings Bonds Work
      • Savings Bonds Yields
      • Tax Advantages of Savings Bonds
      • Older Bonds / Baby Bonds
    • Banks and Credit Unions >
      • Banks and Credit Unions Overview
      • Certificates Of Deposits
      • Money Market Accounts
      • Savings Accounts
    • Critical Illness Insurance
    • Risk Money Places
  • How Safe Are They
    • FDIC - Federal Deposit Insurance Commission >
      • FDIC Overview
      • What Does The FDIC Cover?
      • How Does The FDIC Work?
      • Who Is The CDARS?
    • NCUA - National Credit Union Association
    • How Strong Is My Bank Or Insurance Company?
    • What Happens If The Bank Fails
    • What Happens If The Insurance Company Fails
    • Guaranty Associations (External Link)
  • Concepts
    • Wealth Transfer
    • Personal Pension Plan
    • Basic Money Math >
      • HOW FAST MONEY DOUBLES - RULE OF 72
      • Annual Percentage Yield Vs. Annual Interest Rate
      • Compound Vs. Simple Interest
      • Rate of Return
    • Financial Concepts >
      • Split Funding
      • Tax Deferral
      • Saving Too Conservative
      • Yield Ladders
      • Liquidity
    • Identity Theft Protection
  • Consumer Guides
  • Videos
  • Safe Money News
    • Current Issue
    • Digital Magazine
    • Subscribe
    • Contributors >
      • Raymond J. Ohlson
      • Steve Dinnen
      • TMA Small Business Accounting
      • Norm Wilkens
      • David Barker J.D.
      • Leo LaGrotte
      • Kim O'Brien
  • Resources
    • Ask A Question
    • FAQ
    • Financial Dictionary
    • Financial Basics Quiz
    • Calculators
    • Useful Tools and Links