Buying U.S. savings bonds is now almost exclusively an online process through the TreasuryDirect website. While you can no longer buy them at banks or credit unions, the process is straightforward and accessible to anyone with a Social Security number and U.S. residency. Quick Buying Guide
: Use your checking or savings account to pay for the bonds electronically. Core Comparison: Series I vs. Series EE Series I Bonds Series EE Bonds Main Goal Protection against inflation Predictable, fixed growth Current Rate 4.03% (through April 30, 2026) 2.50% (fixed for life) Guarantee No doubling guarantee Guaranteed to double in 20 years Annual Limit $10,000 (electronic) + $5,000 (paper) $10,000 (electronic only) 💡 Key Rules & Tips
: The only way to get a physical bond today is to use your federal tax refund to buy Series I bonds using IRS Form 8888 . how do i buy us savings bonds
: If you redeem before 5 years , you lose the last 3 months of interest.
: You must keep bonds for at least 12 months before you can cash them. Buying U
: Register at TreasuryDirect with your Social Security number, email, and bank details.
: Interest is exempt from state and local taxes and can be federal tax-free if used for qualified higher education. residency
: To gift a bond, the recipient must have their own TreasuryDirect account.