Treasury Savings Products
Government-backed bonds with unique tax advantages. I-Bonds protect against inflation, T-Bills offer short-term returns, and EE Bonds guarantee doubling in 20 years.
I-Bonds (Series I Savings Bonds)
Calculator & Details →Current Composite Rate
4.03%
Fixed: 0.90% + Inflation: 1.56%
Annual Limit$10,000
Minimum Purchase$25
Minimum Hold12 months
Key Benefits
- ✓Inflation protection - rate adjusts every 6 months
- ✓State and local tax exempt
- ✓Federal tax deferred until redemption
- ✓Tax-free if used for education expenses
Treasury Bills (T-Bills)
Short-term government securities sold at a discount. You buy for less than face value and receive full face value at maturity. State and local tax exempt.
| Term | Rate | Last Auction | Issue Date |
|---|---|---|---|
| 4-Week | 3.70% | 1/28/2026 | 1/30/2026 |
| 8-Week | 3.69% | 1/28/2026 | 1/30/2026 |
| 13-Week | 3.67% | 1/27/2026 | 1/30/2026 |
| 26-Week | 3.65% | 1/27/2026 | 1/30/2026 |
| 52-Week | 3.52% | 1/21/2026 | 1/23/2026 |
EE Bonds (Series EE Savings Bonds)
Fixed Rate
2.50%
But guaranteed to double in 20 years (~3.5% effective)
Guaranteed Doubling20 years
Annual Limit$10,000
Best For
- ✓Long-term savings (20+ year horizon)
- ✓Education savings (tax-free for qualified expenses)
- ✓Gift for children/grandchildren