The US Treasury has set the composite rate on Series I savings bonds issued from November 1, 2026 to April 30, 2027 at 5.51 percent, up from the 4.26 percent composite on bonds issued in the previous six months. The new rate combines a fixed rate of 1.40 percent, raised from 0.90 percent at the May setting, with a semiannual inflation rate of 2.04 percent, up from 1.67 percent. TreasuryDirect sets the fixed and inflation rates every May 1 and November 1, and the fixed rate applies for the life of every bond issued in the six months that follow.
Treasury sets new Series I bond rate at 5.51 percent
TreasuryDirect set the composite rate on Series I savings bonds issued from November 1, 2026 to April 30, 2027 at 5.51 percent, including a fixed rate of 1.40 percent.
Why it matters: The fixed rate of 1.40 percent is the highest Treasury has set since November 2006, and it stays with bonds bought in the next six months for their whole life, while the inflation part of the rate resets every six months.
Data as of TreasuryDirect (US Treasury, Bureau of the Fiscal Service), I bonds interest rates page, read in full on 2026-10-30; rates apply to bonds issued November 1, 2026 to April 30, 2027.
Sources
- I bonds interest rates - TreasuryDirect, US Department of the Treasury - 2026-10-30