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US Savings I-Bonds Rate, 11/1/25 – 4/30/26

yogibearbullyogibearbull
edited October 31 in Other Investing
US Savings I-Bonds Rate, 11/1/25 – 4/30/25
Total 4.03% (vs previous 3.98%)
Fixed rate is 0.90%, the semiannual inflation is 1.56%.
www.treasurydirect.gov/savings-bonds/i-bonds/

Keep in mind the following:

1. There is a 3-month interest penalty for selling in years 1-5.

2. Interest accrues monthly on the 1st of the month but is added to the principal only at 6-monthly intervals from the purchase date. So, simple interest applies from the month of purchase up to 6 months, & then is compounded (i.e. added to the principal) at 6-monthly intervals.

3. Buy late in the month, or sell early in the month, to get full month interest.

Comments

  • peak2climb
    Long term investor here, but I have zero interest in investing in this failing and corrupt democracy, which is barreling toward an oligarchy. I don't trust where Treasury funds go anymore. Besides, local banks and credit unions are offering laddering CDs around 4.26%. Funds not invested in MFs/ETFs are invested locally.

    It's almost time to watch "It's a Wonderful Life" again.
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