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You are in: > Individual personal Institutional personal Government Search: Mailing Lists personal News personal About personal Sitemap personal Contact Us personal FAQs personal Help My Accounts Treasury Securities& Programs Research Center Planning & Giving Tools Forms Home ? Individual ? Treasury Securities & Programs ? I Savings Bonds TREASURY SECURITIES & PROGRAMS Treasury Bills Treasury Notes TIPS Treasury Bonds EE/E Savings Bonds I Savings Bonds HH/H Savings Bonds Auctions Payroll Savings We?re pleased to hear from our customers regarding their satisfaction with our website. Although your browser settings don?t allow you to view the website survey we?re conducting, please e-mail your comments. I Savings Bonds As of January 1, 2012, paper savings bonds are no longer sold at financial institutions.? This action supports Treasury?s goal to increase the number of electronic transactions with citizens and businesses. See the press release. I Bonds are a low-risk, liquid savings product. While you own them they earn interest and protect you from inflation. You may purchase I Bonds via TreasuryDirect or with your IRS tax refund. As a TreasuryDirect account holder, you can purchase, manage, and redeem I Bonds directly from your Web browser. Find information for those affected by Hurricane Katrina Purchase I Bonds Learn more in ?I Savings Bonds in Depth? Convert Your Paper Savings Bonds Compare I Bonds with TIPS Use I Bonds to: Finance education Supplement retirement income Give as a gift More about how to use I Bonds in the Research Center Current Rate: 2.20% through October 31, 2012 Minimum purchase: $50 for a $50 I Bond when purchasing paper bond certificates with your IRS tax refund$25 for a $25 I bond when purchased electronically via TreasuryDirect Maximum purchase (per calendar year): $10,000 in TreasuryDirect and $5,000 in paper bonds purchased with IRS tax refunds Denominations: Paper bonds with your tax refund: $50, $75, $100, $200, $500, $1,000, and $5,000 Electronic bonds via TreasuryDirect: purchase to the penny for $25 or more Issue Method: Paper bond certificates with your tax refund or electronic issue in TreasuryDirect accounts Rates & Terms I Bonds have an annual interest rate that reflects the combined effects of a fixed rate and a semiannual inflation rate. They are an accrual-type security. Interest, if any, is added to the bond monthly and is paid when you cash the bond. I Bonds are sold at face value; i.e., you pay $50 for a $50 bond. More about I Savings Bonds rates in the Research Center Redemption Information Minimum term of ownership: 1 year Interest-earning period: 30 years Early redemption penalties: Before 5 years, forfeit 3 most recent months? interest After 5 years, no penalty More about I Savings Bonds redemption in the Research Center Tax Considerations Interest on savings bonds is subject to taxes imposed under the Internal Revenue Code of 1986. The bonds are exempt from taxation by any State or political subdivision of a State, except for estate or inheritance taxes. Interest earnings are subject to Federal income tax. Interest earnings may be excluded from Federal income tax when used to finance education (see education tax exclusions). More about I Savings Bonds tax considerations in the Research Center I Bond-Related FAQs How is the earnings rate of an I Bond determined? What is the difference between EE and I bonds? Are there tax benefits to using I Bonds to finance education? Can I give an I Bond as a gift? Can I ever lose money in I Bonds? See I Savings Bonds FAQs Take the TreasuryDirect Guided Tour ? Retirement Planning Investment Articles Savings Bond Forms As of 2012, U.S. Savings Bonds go digital. Explore our interactive timeline to learn about their rich history. Watch our new TreasuryDirect demo on how to login to your account. Watch our demo on how to buy a gift savings bond In TreasuryDirect Learn about the new Payroll Savings Plan in TreasuryDirect Check out TreasuryDirect Kids How to make a contribution to reduce the Public Debt ID Theft?????Treasury info?????FTC info Tools for Teachers ? Money Math: Lessons for Life Take a look at our TreasuryDirect Videos Form 5444 E to remove T08 Hold in TreasuryDirect Learn more about Frauds, Phonies, and Scams Freedom of Information Act | Law & Guidance | Privacy & Legal Notices | Website Terms & Conditions | Plug-ins & Viewers | Accessibility | Data Quality U.S. Department of the Treasury, Bureau of the Public Debt Last Updated May 1, 2012

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