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Compare Series EE To I Savings Bonds

Last Updated: February 26, 2019 | by Jackie Brahney | reviewed by Jack Quinn

Series EE and Series I Savings Bonds do not perform the same nor do they earn the same interest rates. To determine which bond is right for you, check out the comparison chart of EE and I Savings Bonds.

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 EE BondsI Bonds
Purchasing BondsSold at face valueSold at face value
DenominationsAny value greater than $25.00Any value greater than $25.00
Purchase Limits$10,000 electronically annually$10,000 electronically annually*
Interest RatesFixedFixed & Variable
Interest EarningsEarned monthly, compounded semiannuallyEarned monthly, compounded semiannually
Final Maturity30 years30 years
TaxesMust be federally reported for the year when redeemed, reach final maturity, or change primary ownership. No state or local tax appliesMust be federally reported for the year when redeemed, reach final maturity, or change primary ownership. No state or local tax applies
Tax Free For EducationAvailable, See Education BondsAvailable, See Education Bonds
RedemptionsCan be redeemed after 12 monthsCan be redeemed after 12 months
Early Redemption Penalty3-month interest penalty if redeemed before 5 years3-month interest penalty if redeemed before 5 years

*Additionally, up to $5,000 in paper I Bonds annually using your IRS tax refund. Note: You must file government forms to request the paper I Bonds using your tax refund.

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Jackie Brahney

Marketing & Editorial Director at SavingsBonds.com
Jackie Brahney is the Marketing and Editorial Director and most notably, an U.S. Savings Bond Expert for SavingsBonds.com. Since 1991, she has done extensive research on savings bonds and state of the art savings bond valuation systems, and heads the company's public relations and marketing initiatives.
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