The fixed portion of the I bond rate remains the same for investors after purchase. The variable rate resets every six months starting on the investor's I bond purchase date, not when the Treasury announces new rates. You can find the rate by purchase datehere. Currently, the variable rate...
an I bond purchased in January of 2025 would get the 1.90% APR variable rate until July of 2025, at which point the variable rate would switch to the May, 2025 variable rate for the subsequent 6 months (in addition to the 1.20% fixed rate). The ...
"The composite rate for Series I Savings Bonds is a combination of a fixed rate, which applies for the 30-year life of the bond, and the semiannual inflation rate. The 3.11% composite rate for I bonds issued from November 2024 through April 2025 applies for the first six months after the...
If you have existing I bonds, your actual rate may differ from the new issue rate of 4.28%. Butno matter when you bought your bond, you'll see a rate drop of about a percentage point between May 1 and Oct. 1, 2024.So it's smart to find out what your particular bond rate i...
CDs also give you the advantage of locking in aguaranteedreturn—as opposed to an unpredictable I bond rate that changes every six months. But there's absolutely no time to waste on opening a CD. With a Fed rate cut coming the week after next, today's CD rates are vir...
May 2022 rate confirmed at 9.62%.Official press release. The variable inflation-indexed rate for I bonds bought from May 1, 2022 through October 31, 2022 will indeed be 9.62% as predicted. Every single I bond will earn this rate eventually for 6 months, depending on the initial purchase mo...
the Treasury resets therates for I bonds. These rates are composed of both a fixed rate and a variable, inflation-adjusted rate, resulting in an overall composite rate. The inflation component changes every six months, whereas the fixed rate remains constant throughout the b...
They can be sold 12 months after purchase and ultimately mature after 20 years. However, if sold prior to the five year mark, I and EE lose three months’ worth of interest. The main difference between I and EE bonds is their interest rate. Unlike the I bond rate, which adjusts with...
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Starting in May 2023, Series I bonds will earn a minimum interest rate of 3.38% according to newly released U.S. inflation data. While this is good compared to historical bond performances, some investors may find it underwhelming compared to more ...