US Savings Bonds

Invest Today...... Enjoy Tomorrow

An Easy and Safe Way to Save

EE Bonds are reliable, low-risk government-backed savings products that you can use toward financing education, supplemental retirement income, birthday and graduation gifts, and other special events. Series EE Bonds purchased on or after May 1, 2005, earn a fixed rate of return, letting you know what the bonds are worth at all times.

 

*E Bonds are the predecessor to EE Bonds and are no longer issued by the U.S. Treasury.

 

Electronic EE Bonds

You can purchase, manage, and redeem electronic EE Bonds safely through a personal Treasury Direct account.

A new program called SmartExchangeSM allows Treasury Direct account owners to convert their Series E, EE and I paper savings bonds to electronic securities in a special Conversion Linked Account in their online account.

NOTE: Paper EE Bonds are still available for purchase through most local financial institutions or participating employers' payroll deduction plans.

 

 

Series I Bonds - An Accrual Security

 

I Savings Bonds In Depth

 

I Bonds were once sold and redeemed solely as a paper security, but now they're also available in electronic form. As a Treasury Direct account holder, you can buy, manage, and redeem I Bonds online.

 

A new program called SmartExchangeSM allows Treasury Direct account owners to convert their Series E, EE, and I paper savings bonds to electronic securities in a special Conversion Linked Account within their online account.

 

Buying I Bonds through Treasury Direct:

  • Sold at face value; you pay $50 for a $50 bond. Purchased in amounts of $25 or more, to the penny. $30,000 maximum purchase in one calendar year.
  • Issued electronically to your designated account.

 

Buying Paper I Bonds:

 

  • Sold at face value; i.e., you pay $50 for a $50 bond.
  • Purchased in denominations of $50, $75, $100, $200, $500, $1,000, $5,000, and $10,000. $30,000 maximum purchase in one calendar year.
  • Issued as paper bond certificates.

 

If you redeem I Bonds within the first 5 years, you'll forfeit the 3 most recent months' interest; after 5 years, you won't be penalized.