Savings bond interest rate

The US savings bond interest rate of each type of US savings bond differs. US savings bonds do not all receive the same US savings bond interest rate. Current US savings bond interest rates range from 4% to 6.1 %, depending on US savings bond series and date of issue of the US savings bond.

Series H US savings bonds and Series HH US savings bonds:

Interest rates of Series H US savings bonds and Series HH US savings bonds vary from 4% to 6%, depending on the issue date of the US savings bond.

• Any Series H US savings bond over 30 years old is paying 0%.
• Any Series HH US savings bond over 20 years old is paying 0%. (The first HH US savings bonds were issued in 1980 and stopped earning interest in the year 2000.)

US Savings Notes / Freedom Shares:

Those US Savings Notes or Freedom Shares that still earn interest receive between 4% and 5%. All US savings notes over 30 years old receive 0%. All savings notes stopped earning interest by October 2000.

Series E US savings bonds and Series EE US savings bonds over five years old:

Interest rates of Series E US savings bonds and Series EE US savings bonds range from 4% to 6.1 %, depending on the issue date of the US savings bonds. No US saving bond earns over 6.1 %. Any Series E US savings bond issued November 1965 or before and those US savings bonds that are over 40 years old is earning 0%. Any Series E US savings bond issued December 1965 and after, and US savings bonds that are over 30 years old, is earning 0%.

Series EE US savings bonds less than five years old:

Generally, Series EE US savings bonds less than five years old have interest rates ranging from 4% to 5.5%. However, Series EE US savings bonds issued from March 1993 to April 1995 have a retroactive "catch-up" which is added to the value of the Series EE US savings bond on the five-year anniversary. Thus, these Series EE US savings bonds can yield over 10% in that fifth year. Series EE US savings bonds issued from March 1993 to April 1995 and that are not yet five years old will be the best performers in the Series EE US savings bond program over the next one to two years. After Series EE US savings bonds turn five years old, they will yield between 4% and 5.5%, if interest rates of these Series EE US savings bonds remain relatively flat.

Series I US savings bonds:

The first Series I US savings bond was issued September 1, 1998. The initial interest rate for Series I US savings bonds issued in September and October 1998 was 4.66%. This is a combination of a fixed Series I US savings bonds interest rate of 3.4% and a CPI-U (Consumer Price Index-Urban Consumers) based rate of 1.26% (when annualized). The rates on outstanding Series I US savings bonds will fluctuate every six months dependent on changes in the CPI-U. The rates on new-purchase Series I US savings bonds are reset every six months, in May and November.