CNW PocketChange
Exploring the concepts, products and innovations influencing currencies, digital assets and global finance.
- Series I Savings Bonds currently offer a composite interest rate of 4.26% for bonds issued between May 1 and Oct. 31, 2026.
- I Bonds are backed by the U.S. government and designed to help protect investors from inflation.
- Investors can redeem I Bonds after one year, although bonds cashed before five years forfeit the last three months of interest.
June 22, 2026 – via CurrencyNewsWire — Series I Savings Bonds, commonly known as I Bonds, are U.S. government-backed savings bonds designed to help preserve purchasing power during periods of inflation. Unlike traditional savings accounts, I Bonds earn a composite rate consisting of a fixed rate that remains unchanged for the life of the bond and an inflation-adjusted component that is reset every six months. For bonds issued between May 1, 2026, and Oct. 31, 2026, the composite rate is 4.26%, including a fixed rate of 0.90%.
What makes the fixed rate important is that it remains attached to the bond for as long as it earns interest. While today’s I Bonds carry a 0.90% fixed rate, some of the earliest I Bonds issued when the program launched in 1998 locked in fixed rates of 3.40% above inflation. Investors who purchased those bonds received decades of inflation protection plus a substantial real return, making them among the most attractive I Bonds ever issued.
I Bonds earn interest monthly and compound semiannually. Investors may purchase up to $10,000 in electronic I Bonds per calendar year through TreasuryDirect, with purchases starting at just $25. While the bonds can be redeemed after 12 months, investors who cash out before five years lose the most recent three months of interest. Interest earned on I Bonds is exempt from state and local income taxes, and the bonds can continue earning interest for up to 30 years.
PocketChange Fact: A $10,000 investment in the original 1998 I Bond may have grown to roughly $35,000 today, while the same amount invested in the S&P 500 could be worth more than $80,000—but only one of those investments guaranteed inflation protection, never lost principal and let its owner sleep soundly through every major market crash of the past three decades.
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