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Series I Bond Rates

Current Rates: for bonds issued November 1, 2024 to April 30, 2025.

Fixed Rate:
1.20%

Inflation Rate:
0.95%

Combination Rate:
4.28%

I Bonds Interest History Rate Chart

What have fixed and inflation rates been in the past?
Source: TreasuryDirect
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Announced DateFixed PctSemi Inflation Pct
September 1, 19983.40.62
November 1, 19983.30.86
May 1, 19993.30.86
November 1, 19993.41.76
May 1, 20003.61.91
November 1, 20003.41.52
May 1, 200131.44
November 1, 200121.19
May 1, 200220.28
November 1, 20021.61.23
May 1, 20031.11.77
November 1, 20031.10.54
May 1, 200411.19
November 1, 200411.33
May 1, 20051.21.79
November 1, 200512.85
May 1, 20061.40.5
November 1, 20061.41.55
May 1, 20071.31.21
November 1, 20071.21.53
May 1, 200802.42
November 1, 20080.72.46
May 1, 20090.1-2.78
November 1, 20090.31.53
May 1, 20100.20.77
November 1, 201000.37
May 1, 201102.3
November 1, 201101.53
May 1, 201201.1
November 1, 201200.88
May 1, 201300.59
November 1, 20130.20.59
May 1, 20140.10.92
November 1, 201400.74
May 1, 20150-0.8
November 1, 20150.10.77
May 1, 20160.10.08
November 1, 201601.38
May 1, 201700.98
November 1, 20170.11.24
May 1, 20180.31.11
November 1, 20180.51.16
May 1, 20190.50.7
November 1, 20190.21.01
May 1, 202000.53
November 1, 202000.84
May 1, 202101.77
November 1, 202103.56
May 1, 202204.81
November 1, 20220.43.24
May 1, 20230.91.69
November 1, 20231.31.97
May 1, 20241.31.48
November 1, 20241.20.95
May 1, 2025TBDTBD

Future Rate Prediction: What Rates will be Announced in the Future?

(Last Updated: Nov 4, 2024)

Timeline of Future Events

  • Oct 10, 2024 (8:30 a.m. ET)
    Final Consumer Price Index (CPI) Numbers Released
    The inflation rate portion of the Series I bound is calculated with CPI numbers. On this date, the final numbers for the 6 month period will be known, and thus we can calculate the next inflation rate.
    Example past announcement
  • Nov 1, 2024
    Fixed Rate Announced
    This is determined by the US Treasury, here is the announcement.
  • Nov 1 2024 - April 30 2025
    6 Month Buying Period
    Bonds purchased during this time period will receive the new rate. Previously purchased bonds will update their rates based on when they were originally purchased.
  • May 1 2025
    New Rate Announced, New Buying Period begins
  • Repeat

    The cycle continues!

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