U.S. Treasury Series I Savings Bonds 5.51% Interest Rate

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​

1. Visit TreasuryDirect.gov
2. Create a free account or sign in to your existing account
3. Link your bank account if you haven't already
4. Select BuyDirect and choose Series I Savings Bonds
5. Enter the amount you want to purchase (minimum $25)
6. 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.

Deal Screenshot