Treasury Department announces new Series I bond rate of 5.51% for the next six months
The fixed rate climbed to 1.40%, the highest since 2006, as inflation remained elevated, the Treasury said.
- The Treasury Department announced on Oct 30 that Series I bonds will pay a 5.51% annual interest rate from Nov 1 through April 30, up from the prior 4.26% yield.
- Marking the highest fixed rate since 2006, the Treasury raised the fixed portion to 1.40% from 0.90%, providing a more stable return component amid persistent inflation pressures.
- Variable yields tie to the consumer price index, which the Bureau of Labor Statistics reported rose 3.7% in September 2026, up from 3.4% in August.
- David Enna, founder of Tipswatch, said "I bonds are a lot more attractive at this point," reflecting renewed appeal as an inflation hedge for retail savers.
- Tumin noted "there's some uncertainty there" regarding the Treasury's undisclosed calculation methodology; Series bonds cannot be cashed for one year, and redeeming within five years forfeits three months of interest.
7 Articles
7 Articles
Treasury Announces Higher I Bond Rates Amid Renewed Inflation
The US Treasury set Series I savings bond rates at 5.51% annually for November 1 through April 30, up from 4.26%, according to its announcement. The composite return includes a fixed rate of 1.40%, its highest since 2006, and an inflation-linked component. 💡I bond rates change every May and November. The variable portion reflects recent consumer price changes, while the fixed portion remains unchanged for the bond’s lifetime. Existing holders r…
I-Bonds Rate: 5.51% APY (Fixed 1.40%)
We’ve been reporting on the twice-per-year I Bond rate releases. Via Tipswatch, the new rate for November 2026 through April 2027 will be 5.51%. That’s slightly higher than the May 2026 – October 2026 rate of 4.26%. Also important is the breakdown: the new rate is comprised of 4.11% variable rate, plus a 1.40% fixed rate. […]
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