Current Series I and EE Savings Bond Rates for Nov. 2013 through April 2014

November 1, 2013 Announcement: Today the Bureau of the Public Debt today announced earnings rates for Series I Savings Bonds and Series EE Savings Bonds, issued from November 1, 2013 through April 30, 2014.

==> The Current I Bond Composite Earnings Rate is 1.38% which includes a Fixed Rate of 0.20%.

I bond fixed rates are determined each May 1 and November 1. Each fixed rate applies to all I-bonds issued in the six months following the rate determination. The earnings rate combines a 0.20% fixed rate of return with the 1.18% annualized rate of inflation as measured by the Consumer Price Index for all Urban Consumers (CPI-U). The CPI-U increased 0.59% between October 2012 to and March 2013.

For more on how Series I bond rates are calculated, see More about I-Bonds
and Composite Rates for Older Series I Bonds

==> Series EE bonds issued from November 1, 2013 through April 30, 2014 will earn today's announced rate of 0.10%. Series EE bonds issued since May 2005 are earning interest at a fixed rate, depending on the rate set when the bond was issued.

Historical EE Savings Bond Rates
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More about Series I Bonds:

When the inflation rate is less than zero, a bond's earnings rate is less than its fixed rate (but the earnings rate is never less than zero).

Historical CPI-U Table - More about I-Bonds

The fixed rate applies for the 30-year life of I bonds purchased during this six-month period.

Earnings rates for I bonds are set each May 1 and November 1. Interest accrues monthly and compounds semiannually. Bonds held less than five years are subject to a three-month interest penalty. I Bonds have an interest-bearing life of 30 years.

Minimum purchase:

$25 for a $25 I bond when purchased electronically via TreasuryDirect

Maximum purchase (per calendar year):

$10,000 each calendar year for each Social Security Number.

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Disclaimer: The information contained in this web site is not intended to constitute financial advice, and is not a recommendation or solicitation to buy, sell or hold any security. This blog is strictly informational and educational and is not to be construed as any kind of financial advice, investment advice or legal advice. Copyright © Kirk Lindstrom. Note: "CORE & Explore®" was coined by and is a registered trademark of Charles Schwab & Co., Inc.