Current US Savings Bond interest rates

Sunday, November 1st, 2015
Categorized as: Savings Bond interest rates

To find out the interest rate that any Savings Bond is paying this month, use our Savings Bond Calculator.

It will give you both the current rate and redemption value of your Savings Bonds. If the calculator shows your bond paying a different rate than you think it should, make sure you understand how Savings Bond rate periods work.


Current US Savings Bond interest rates

(Next posting Nov 1, 2015)
For rate periods beginning May 2015 through October 2015
Series New bonds Existing bonds
Series I 0.1% 0.0% – 5.47%
Series EE 1.65% 0.0% – 4.00%
Series HH no longer issued if issued in this month in 1994 or earlier, 0%; otherwise 1.5% – 4.00%
Series A, B, C, D, E, F, G, H, J, K, and Savings Notes no longer issued no longer earning interest


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FDIC Insured Certificates of Deposit can pay 1 or 2% more than savings bonds when held for a similar length of time. See top CD Rates Below:


On July 11th, 2007 fred angerman said:

can you change ee bonds for h bonds .

On July 11th, 2007 John Brocato said:

Series H bonds are no longer issued, only EE and I.

On August 1st, 2007 mark sobey said:

can i roll over e and ee bonds to a h bond without declaring interest as income?

On August 2nd, 2007 Tom Adams said:

Mark – as the above chart shows, H/HH bonds are no longer issued, so no, you can’t.

Tom Adams

On August 28th, 2007 Vern Gosney said:

Do you still issue paper bonds? I can’t keep track of all the junk on computers. I don’t want to buy anymore bonds if I don’t get a certificate of ownership.

On August 29th, 2007 Tom Adams said:

Hi Vern – I wrote a book about Savings Bonds, but I’ve never issued them. The US Treasury, however, still issues paper Savings Bonds.

Tom Adams

On November 17th, 2009 steve olson said:

I have read that my series I savings bonds, bought in 07-2000, have now started paying interest. Anywhere from 3 to over 6%. BUT, the websites I use to calculate interest still show them earning 0%. What is really going on? Thanks

On November 18th, 2009 Tom Adams said:

Steve – The information you’re looking for is on my page about how I bond interest rates work. Take particular note of the section called Understanding rate periods.

Tom Adams

On February 18th, 2010 Barbara E Kinley said:

when I bonds were 1st issued they were a good deal, but gradually the return has decreased, during the 6 months when the interest rated were zero, does that mean they earned no money?

On February 19th, 2010 Tom Adams said:

Barbara – I bonds are the same they always were. The earn a fixed rate plus inflation. When inflation is negative, the total rate can’t go below zero.

For six months all I bonds earned no money, that is correct, but compared to other available investments with similar quality they are still a very good deal.

Tom Adams

Comments Closed

June 1, 2010

After six years, over 400 posts, 3,680 real comments, and over 90,000 spam comments (thank you, Akismet, for making managing a blog with comments possible), I am closing public comments on I will contine to update the main articles on this site, but not the comments.

Virtually every question about Savings Bonds has been asked and answered on this site multiple times. Use the search feature (see the box in the gray area near the top of this page) or the detailed menu on the lower part of the home page to find the information you're looking for. If you have a copy of Savings Bond Advisor, you can ask me a question here.

Tom Adams

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