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I Bond buying guide for 2026: Wait it out | Treasury Inflation ... It will adjust again on May 1, 2026, rolling into effect for all I Bonds, no matter when they were purchased. The current c omposite rate is 4.03% annualized for six months for purchases through April 2026. I Bonds are an extremely safe and conservative investment.

I Bond Holders: Your Rate Is Going Up—Here’s How Much and When I bond rates reset every six months, based on your bond’s issue date. That means only bonds issued in May or November will begin earning the new rate immediately on May 1.

I bonds interest rates — TreasuryDirect Although we announce the new rates in May and November, the date when the rate changes for your bond is every 6 months from the issue date of your bond. Use this table to understand when each new rate begins to apply to your I bond.

New I-Bonds Rate Projection: 4.26% APY (Variable 3.36% + Fixed .9%) We’ve been reporting on the twice-per-year I Bond rate releases. Via Tipswatch, the new rate for May 2026 through October 2026 is likely to be 4.26% (slightly higher than the Nov2025-April2026 rate of…

Savings I Bonds May 2026 Rate Prediction: 0.9-1% Fixed Rate, 3.34% ... Between those two options, if you are a long-term holder, you may consider waiting until May or even October to see if the fixed rate goes up a little. You may also think higher inflation is coming, and you’ll get that next inflation rate sooner if you buy in May.

I Bond’s fixed rate is likely to hold at 0.90% at May 1 reset Both the I Bond’s permanent fixed rate and inflation-adjusted variable rate will be reset May 1 for purchases from May to October 2026. Before the outbreak of war on Feb. 28 it appeared likely the I Bond’s fixed rate would fall from the current 0.90% to 0.80%.

Inflation and I Bonds | Treasury Inflation-Protected Securities The March 2026 inflation report completed the six-month string needed to calculate the I Bond’s new variable rate, reset May 1, 2026. The new rate is 3.34%. The fixed rate will also be reset on May 1.

Q&A on I Bonds | Treasury Inflation-Protected Securities That rate is currently set at 3.12% annualized. It will adjust again on May 1, 2026. Each reset applies to all I Bonds, no matter when they were purchased. (However, the effective start date of the new interest rate will vary depending on the month you bought the I Bond, a Treasury oddity.)

Treasury: Series I bond rate is 4.03% through April 2026 - CNBC Series I bonds will pay 4.03% through April 2026, the U.S. Department of the Treasury announced Friday. The latest I bond rate is up from the 3.98% rate offered through October.

I Bonds Interest Rates - U.S. Treasury Fiscal Data Interest Rate Changes: Although new rates are announced in May and November of each year, the date when the rate changes for your bond is every 6 months from the issue date of your bond.