iBonds: Current Series-I Bond rates

October 11, 2011 Announcement: The Bureau of the Public Debt today announced an earnings rate of 3.06% for Series I Savings Bonds issued from from May 2011 through October 2011.

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 0.00% fixed rate of return with the 3.06% annualized rate of inflation as measured by the Consumer Price Index for all Urban Consumers (CPI-U). The CPI-U increased from 223.467 in March 2011 to 226.889 in September 2011, a six-month increase of 1.53%.

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.

==> I Bond Earnings Rate 3.06%, Fixed Rate 0.00%

For older ibonds and what they will pay, see: I Bond Composite Rates (iBonds)

Minimum purchase:

$50 for a $50 I Bond when purchasing paper bond certificates
$25 for a $25 I bond when purchased electronically via TreasuryDirect

Maximum purchase(per calendar year):

$5,000 in TreasuryDirect and $5,000 in paper bonds
$10,000 total per social security number

Denominations:

Paper bonds: $50, $75, $100, $200, $500, $1,000, and $5,000
Electronic bonds via TreasuryDirect: purchase to the penny for $25 or more

For more conservative investors who have no interest in individual stocks, I co-edit "The Retirement Advisor" where our most aggressive model portfolio is slightly less aggressive then the "core conservative portfolio" in Kirk Lindstrom's Investment Letter." For more explanation, see Kirk's Two Investment Letters

Articles - US Treasury Rates at a Glance & World Stock Markets at a Glance
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	Series I Savings Bonds Current iBond Rates
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