The interest rate on Series I savings bonds combines a fixed rate with an inflation rate. The fixed rate is guaranteed for as long as you keep the bond, while the inflation part changes every six months. The government calculates rates twice each year using changes in the non-seasonally adjusted Consumer Price Index (CPI). For bonds bought from November 1, 2026, through April 30, 2027, the composite rate is 5.51%, including a 1.40% fixed rate that remains with the bond for its life.
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