savings bonds

Are Your Savings Bonds Winners Or Losers?

Posted on August 9, 2017 indicates there is a lot of confusion surrounding savings bond interest rates. Most investors probably don’t know what rate their bonds are earning.

Depending on the series and issue date, some could be earning high interest rates for the life of the bond, while others are duds.

Since the inception of U.S. Savings Bonds in 1935, the Treasury Department changed interest rates and the applicable rules & regulations to attempt to make savings bonds an attractive investment. You might need a finance degree to figure it out. U.S. financial market conditions – which are usually tied to the Treasury Securities rates – are often a main factor in determining interest rates/formulas for savings bonds.

The interest rates FOR NEW BOND PURCHASES are announced every May 1 and November 1. However, these interest rates do NOT necessarily apply to older bonds.

Series I (paper) bonds are composed of a fixed rate, which remains the same for the life of the bond, combined with a variable rate that can change every six months.

Unless EE bonds were issued from May 2005 and after ( which have a fixed rate for at least the first 20 years) most paper EE bonds interest rates will likely vary.

The government created four different formulas/categories for savings bonds:

1. Before May, 1995
2. May, 1995 through April, 1997
3. April, 1997 through April, 2005
4. After May 1, 2005

The easy way to cut through the clutter and confusion of determining a bonds interest rate is by using’s complimentary savings bond calculator.

Once bonds are entered into the calculator, a Savings Bond Inventory Report© is created. A detailed list of the bonds including the current interest rates, current cash in values, maturity, timing and (potential) tax implications (if redeeming) are indicated for each bond.

A “What This Means To You” explanation simplifies it all and help investors easily determine what their bonds are worth, how they are performing, (along with pertinent financial and timing information) which makes it a lot easier to determine if the bonds are winners or losers.

About’s complimentary calculator provides cash in values, interest rates and a personalized, printable, color-coded, Savings Bond Inventory Report along with a “What This Means To You” explanation. For ongoing savings bond management & updated bond values via unique monthly e-Bond Statements, try a free 14-day trial of the VIP Membership© which includes a helpful Cash-In-Report.©

By: Jackie Brahney, Marketing Director @savingsbondsgal,


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