Treasury Sets Series I Bond Rate at 5.51% Through April 2027
The U.S. Treasury has announced a 5.51% rate for Series I savings bonds, effective for the next six months through April 2027.
The U.S. Department of the Treasury has set the new composite rate for Series I savings bonds at 5.51%, a figure that will remain in effect for the next six months through April 2027, the agency announced.
Series I bonds are inflation-linked savings instruments issued by the federal government directly to individual investors. Their rates are adjusted twice annually — each May and November — based on changes in the Consumer Price Index for All Urban Consumers, making them a closely watched option during periods of economic uncertainty.
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The newly announced 5.51% rate reflects the Treasury's latest calculation combining a fixed rate component and an inflation-adjustment component. Investors who purchase I bonds during the current window will lock in this composite rate for their first six-month interest accrual period before the rate resets again.
I bonds have attracted significant retail investor interest in recent years as Americans sought to protect purchasing power against elevated inflation. The instruments carry a purchase limit of $10,000 per person per calendar year through TreasuryDirect, with an additional $5,000 available via federal tax refunds. Bonds must be held for at least one year and carry an early redemption penalty of three months' interest if redeemed before five years.
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