This composite rate is a combination of a (which you keep for the life of the bond) and a 3.12% variable inflation rate .
Series EE bonds are "slow and steady" investments that offer a unique guarantee if held for exactly two decades. Comparing EE and I bonds - TreasuryDirect what are the best savings bonds to buy right now
: If you want to lock in this specific 4.03% rate, you must complete your purchase on the TreasuryDirect website by 11:59 p.m. on Wednesday, April 29, 2026 . New rates are typically announced every May 1 and November 1. 2. Series EE Savings Bonds: The Best for Long-Term Doubling This composite rate is a combination of a
Series I bonds are currently the most popular choice for individual investors because they provide a guaranteed return above inflation. : 4.03% . on Wednesday, April 29, 2026
1. Series I Savings Bonds: The Best for Inflation Protection
: Ideal for preserving purchasing power over the medium-to-long term without risking principal.
For investors looking to buy U.S. savings bonds in late , the choice primarily boils down to Series I and Series EE bonds. Each serves a different strategy, with current rates favoring different holding periods.