Treasury I-Bonds Rate Update: November Announcement

The U.S. Treasury released the latest I-Bond interest rate, reflecting current inflation trends and fixed rate adjustments.

Current Rate Details

The new composite rate applies to bonds purchased through April 2025. While rates have moderated from the record highs of 2022, I-Bonds remain attractive for conservative investors seeking inflation protection.

The fixed rate component—which stays with your bond for its lifetime—saw a modest increase, making current purchases slightly more valuable for long-term holders.

Purchase Considerations

Remember the annual $10,000 electronic purchase limit per person, plus up to $5,000 in paper bonds through tax refunds. Married couples can effectively invest $30,000 annually.

I-Bonds require a one-year holding period and sacrifice three months of interest if redeemed before five years. Factor these limitations into your liquidity planning.