The U.S. Treasury currently offers two primary types of electronic savings bonds, each serving a different financial goal: : These are built to fight inflation. Current Rate : 4.03% (for bonds issued April 30, 2026).
: The rate is a "composite" of a fixed rate (currently 0.90%) and a variable inflation rate that resets every six months.
Purchasing bonds is no longer about paper certificates; it’s about managing an electronic account. Home — TreasuryDirect
Smart Saving: Your Guide to Buying U.S. Savings Bonds Online in 2026