How many co-owners can a Savings Bond have?

Monday, February 6th, 2006
Categorized as: Savings Bond registration changes

What is the maximum number of co-owners on a Savings Bond?

Tom’s response

Only one or two names can be on a Savings Bond registration. The first name is the owner, the second name can be designated as either the co-owner or the beneficiary.

A co-owner has the right to cash a Savings Bond while the owner is alive without the owner’s permission.

A beneficiary, on the other hand, can’t cash a Savings Bond unless the owner has died.

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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:

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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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