I-Bond Rates Update 2026
The latest Series I savings bond rates for 2026. Understand the composite rate, how it is calculated, and whether I-Bonds still make sense for your portfolio.
Key Statistics
Current composite rate
3.11%
Source: TreasuryDirect, Nov 2025 - Apr 2026
Fixed rate component
1.20%
Source: TreasuryDirect
Inflation rate component
1.90% (annualized)
Source: TreasuryDirect
Annual purchase limit
$10,000/person
Source: TreasuryDirect
How This Affects You
The latest Series I savings bond rates for 2026. Understand the composite rate, how it is calculated, and whether I-Bonds still make sense for your portfolio. Use the calculators below to see the exact impact on your personal finances. Everyone's situation is different — input your own numbers to get a personalized answer.
Calculate Your Impact
Expert Tips
- 1
I-Bonds must be held for at least 1 year. Redeeming before 5 years forfeits the last 3 months of interest.
- 2
The $10,000 annual electronic limit can be supplemented with up to $5,000 in paper bonds using your tax refund.
- 3
The fixed rate component is locked at purchase — a higher fixed rate means better long-term inflation protection.
- 4
Compare the composite rate against TIPS and HYSAs to decide where your cash works hardest.
- 5
I-Bond interest is exempt from state and local taxes, and federal tax is deferred until redemption.
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