What happened to my guaranteed interest rate of 6%?

Monday, November 7th, 2005
Categorized as: Savings Bond interest ratesSeries EE US Savings Bonds

Your Savings Bond Calculator shows that an EE bond issued in January 1993 is earning 4%. I understood that Savings Bonds issued through March 1993 had a guaranteed minimum of 6%. Would you clarify?

Tom’s response

Your January 1993 EE bond earned 6% through December 2004. At that point its original maturity period (the amount of time required for your investment to double in value) ended and the bond entered a new, ten-year, maturity period.

When a Savings Bond that has a guaranteed minimum rate (only bonds issued prior to May 1995 have this feature) enters a new maturity period, the Treasury has the right to change the guaranteed minimum rate, and since March 1993 it’s been changing the guaranteed minimum rate to 4%.

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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 December 2nd, 2008 Paul Anzia said:

If the EE minimum interest rate is 4% since 1993, why then do I have EE bonds from 1983 and 1993-94 that are earning less than 3% according to the savings bond calculator?

On December 3rd, 2008 Tom Adams said:

Paul – The guarantee applies to the entire maturity period, not each six-month chunk of it. So if a bond earns more than 4% early in a maturity period, it can earn less than 4% late in the period and still meet the 4% minimum over the entire period.

Tom Adams

On January 20th, 2009 Sarah Neider said:

I bought EE bonds in 1988 that were switched to HH bonds. They will mature in 2018. I was getting $4,000.00 per year until 12/31/08. Now I am getting $1,350.00- the 1.5% rate. Can you help me underwstand why?

On January 20th, 2009 Tom Adams said:

Sarah – see this post.

Tom Adams

On January 24th, 2009 tim said:

I have ee bonds issued in Feb and June of 2002 do these have any guaranteed interest rate?

On January 26th, 2009 Tom Adams said:

Tim – bonds of that vintage don’t have the kind of guaranteed rate this page is talking about, but see this and this.

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 Savings-Bond-Advisor.com. 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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