KirkLindstrom.com - Articles - iBonds: I Bond Interest Rate History
iBonds: Current Series-I Bond rates
 Series I Savings Bonds
 		Kirk Windsurfing at Coyote Point November 2009
Historical iBond Rates Table
 
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Historical base and composite rates for Series I Bonds from the United States Treasury

More Info ==>  I cover I-Bonds and a slightly better recommended alternative (just as safe with higher yield but without the tax deferral so better for IRAs) in my newsletter.
 
I-Bond Rate History
Period
 6- Month
Semiannual
inflation rate
 Base
Rate
 6- month
Earnings Rate
May 1, 2023 - October 31, 2023
 +3.38%
 0.90% 4.30%
November 1, 2022 - April 30, 2023
 +3.24%
 0.40% 6.89%
May 1, 2022 - October 31, 2022
 +4.81%
 0.00% 9.62%
November 1, 2021 - April 30, 2022
 +3.56%
 0.00% 7.12%
May 1, 2021 - October 31, 2021
 +1.77%
 0.00% 3.54%
November 1, 2020 - April 30, 2021
 +1.68%
 0.00% 1.68%
May 1, 2020 - October 31, 2020 +0.53%
 0.00%
 1.06%
November 1, 2019 - April 30, 2020 +1.01%
 0.10%
 		2.22%
May 1, 2019 - October 31, 2019 +0.70%
 0.50%
 		1.90%
November 1, 2018 - April 30, 2019 +1.16%
 0.50%
 		2.83%
May 1, 2017 - October 31, 2018 +1.11%
 0.30%
 		2.52%
November 1, 2017 - April 30, 2018 +1.24%
 0.10%
 		2.58%
May 1, 2017 - October 31, 2017 +0.98%
 0.00%
 1.96%
November 1, 2016 - April 30, 2017 +1.38%
 0.00%
 2.76%
May 1, 2016 - October 31, 2016 +0.16%
 0.10%
 0.26%
November 2, 2015 - April 30, 2016 +1.54%
 0.10%
 		1.64%
May 1, 2015 - October 31, 2015 -0.80% 0.00%
 0.00%
November 1, 2014 - April 30, 2015 +0.74%
 0.00%
 1.48%
May 1, 2014 - October 31, 2014 +0.92% 0.10%
 		1.94%
November 1, 2013 - April 30, 2014 +0.59%
 0.20%
 		1.38%
May 1, 2013 - October 31, 2013 +0.59%
 0.00% 1.18%
November 1, 2012 - April 30, 2013 +0.88%
 0.00%
 1.76%
May 1, 2012 - October 31, 2012 +1.10%
 0.00%
 2.20%
November 1, 2011 - April 30, 2012 +1.53%
 0.00%
 3.06%
May 1, 2011 - October 31, 2011 +2.30%
 0.00%
 4.60%
November 1, 2010 - April 30, 2011 +0.37%
 0.00%
 0.74%
May 1, 2010 - October 31, 2010 +1.54%
 0.20%
 		1.74%
November 1, 2009 - April 30, 2010
 +1.53%
 0.30%
 		3.36%
May 1, 2009 - October 31, 2009 -2.78%
 0.10%
 		0.00%
November 3, 2008 - April 30, 2009 +2.46%
 0.70%
 		5.64%
May 1, 2008 - October 31, 2008 +2.42%
 1.40%
 		4.84%
November 1, 2007 - April 30, 2008 +1.53% 1.20% 4.28%
   
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Series I Bonds==> NEVER lose money with I Bonds:  The combined rate will never be less than 0. However, the combined rate can be lower than the fixed rate. If the inflation rate is negative (because we have deflation, not inflation), it can offset some of the fixed rate. If the inflation rate is so negative that it would take away more than the fixed rate, the 6-month combined rate stops at 0.00%.

==> I Cover I Bonds in My Newsletter <==

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