If you received U.S. savings bonds as gifts when you were a child, when was the last time you checked on them? A lot of savings bonds in people's hands -- billions of dollars worth -- no longer earn interest.
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EE Bond Rates

Newly issued EE Bond rates are set in May and November and will remain constant through the life of the bond. Rates for older bonds may differ depending on when they were issued.

Current EE Bond Rates

The current rate of an EE Bond depends on when the bond was first issued.


Newly Issued EE Bond

A newly issued EE Bond will have the most current advertised rate and that rate will not change for the life of the bond until maturity.

Current EE Bond Rate - 0.60%. Valid November 2011 - April 2012.

EE Bonds Issued May 2005 - Present

Bonds issued in this timeframe do not change rates and will continue to earn interest based on the interest rate set when the bond was issued. Bonds issued between May and October follow the May rate while bonds issued between November and April follow the November rate (of the previous year in the case of January-April).

Current EE Bond rates for bonds issued 2005 to present day
Issue DateCurrent Rate
5/1/2005 3.5
11/1/2005 3.2
5/1/2006 3.7
11/1/2006 3.6
5/1/2007 3.4
11/1/2007 3.0
5/1/2008 1.4
11/1/2008 1.3
5/1/2009 0.7
11/1/2009 1.2
5/1/2010 1.4
11/1/2010 0.6
5/1/2011 1.1
11/1/2011 0.6
5/1/2012 0.6
11/1/2012 0.2
5/1/2013 0.2
11/1/2013 0.1
5/1/2014 0.5
11/1/2014 0.1


EE Bonds With Semi-Annual Rate Changes

EE Bonds issued before May 2005 adjust twice a year based on Treasury Security yields. To find out when the next rate change will occur, use the chart below.

Bond Issue Month May rate goes into effect Nov. rate goes into effect
January July 1 January 1
February August 1 February 1
March September 1 March 1
April October 1 April 1
May May 1 November 1
June June 1 December 1
July July 1 January 1
August August 1 February 1
September September 1 March 1
October October 1 April 1
November May 1 November 1
December June 1 December 1

EE Bonds Issued May 1997 - April 2005

These bonds earn market-based interest rates set at 90% of the average 5-year Treasury securities yields for the preceding six months. The current rate for these bonds is 1.49% (November 2014 through April 2015) and will go into effect on the semi-annual period from their issue date.


Current EE Bond rates for bonds issued 1997 - 2005
Issue DateCurrent Rate
05/1997 1.49%
06/1997 1.42%
07/1997 1.42%
08/1997 1.42%
09/1997 1.42%
10/1997 1.42%
11/1997 1.49%
12/1997 1.42%
01/1998 1.42%
02/1998 1.42%
03/1998 1.42%
04/1998 1.42%
05/1998 1.49%
06/1998 1.42%
07/1998 1.42%
08/1998 1.42%
09/1998 1.42%
10/1998 1.42%
11/1998 1.49%
12/1998 1.42%
01/1999 1.42%
02/1999 1.42%
03/1999 1.42%
04/1999 1.42%
05/1999 1.49%
06/1999 1.42%
07/1999 1.42%
08/1999 1.42%
09/1999 1.42%
10/1999 1.42%
11/1999 1.49%
12/1999 1.42%
01/2000 1.42%
02/2000 1.42%
03/2000 1.42%
04/2000 1.42%
05/2000 1.49%
06/2000 1.42%
07/2000 1.42%
08/2000 1.42%
09/2000 1.42%
10/2000 1.42%
11/2000 1.49%
12/2000 1.42%
01/2001 1.42%
02/2001 1.42%
03/2001 1.42%
04/2001 1.42%
05/2001 1.49%
06/2001 1.42%
07/2001 1.42%
08/2001 1.42%
09/2001 1.42%
10/2001 1.42%
11/2001 1.49%
12/2001 1.42%
01/2002 1.42%
02/2002 1.42%
03/2002 1.42%
04/2002 1.42%
05/2002 1.49%
06/2002 1.42%
07/2002 1.42%
08/2002 1.42%
09/2002 1.42%
10/2002 1.42%
11/2002 1.49%
12/2002 1.42%
01/2003 1.42%
02/2003 1.42%
03/2003 1.42%
04/2003 1.42%
05/2003 1.49%
06/2003 1.42%
07/2003 1.42%
08/2003 1.42%
09/2003 1.42%
10/2003 1.42%
11/2003 1.49%
12/2003 1.42%
01/2004 1.42%
02/2004 1.42%
03/2004 1.42%
04/2004 1.42%
05/2004 1.49%
06/2004 1.42%
07/2004 1.42%
08/2004 1.42%
09/2004 1.42%
10/2004 1.42%
11/2004 1.49%
12/2004 1.42%
01/2005 1.42%
02/2005 1.42%
03/2005 1.42%
04/2005 1.42%
Rates current as of 11/2014

EE Bonds Issued May 1995 - April 1997

Series EE bonds issued before May 1997 earn various rates for semiannual earnings periods, depending on dates of issue.

Current EE Bond rates for bonds issued May 1995 - April 1997
Issue DateCurrent Rate
05/1995 1.41%
06/1995 1.34%
07/1995 1.34%
08/1995 1.34%
09/1995 1.34%
10/1995 1.34%
11/1995 1.41%
12/1995 1.34%
01/1996 1.34%
02/1996 1.34%
03/1996 1.34%
04/1996 1.34%
05/1996 1.41%
06/1996 1.34%
07/1996 1.34%
08/1996 1.34%
09/1996 1.34%
10/1996 1.34%
11/1996 1.41%
12/1996 1.34%
01/1997 1.34%
02/1997 1.34%
03/1997 1.34%
04/1997 1.34%
Rates current as of 11/2014

EE Bonds Issued before May 1995

Bonds purchased in this time earned interest on a graduated scale for 5 years and then started earning interest at either guaranteed minimum rates or market-based rates, whichever is higher. The guaranteed minimum rate was set at the time of purchase while the market rate is based on the 5-year U.S. Treasury securities yields calculated semiannually. The rate is set at 85% of the average of these yields. Bonds in this range have begun to mature and therefore may no longer earn interest.

Current EE Bond rates for bonds issued 1980 - April 1995
Issue DateCurrent Rate
01/1980 Matured
02/1980 Matured
03/1980 Matured
04/1980 Matured
05/1980 Matured
06/1980 Matured
07/1980 Matured
08/1980 Matured
09/1980 Matured
10/1980 Matured
11/1980 Matured
12/1980 Matured
01/1981 Matured
02/1981 Matured
03/1981 Matured
04/1981 Matured
05/1981 Matured
06/1981 Matured
07/1981 Matured
08/1981 Matured
09/1981 Matured
10/1981 Matured
11/1981 Matured
12/1981 Matured
01/1982 Matured
02/1982 Matured
03/1982 Matured
04/1982 Matured
05/1982 Matured
06/1982 Matured
07/1982 Matured
08/1982 Matured
09/1982 Matured
10/1982 Matured
11/1982 Matured
12/1982 Matured
01/1983 Matured
02/1983 Matured
03/1983 Matured
04/1983 Matured
05/1983 Matured
06/1983 Matured
07/1983 Matured
08/1983 Matured
09/1983 Matured
10/1983 Matured
11/1983 Matured
12/1983 Matured
01/1984 Matured
02/1984 Matured
03/1984 Matured
04/1984 Matured
05/1984 Matured
06/1984 Matured
07/1984 Matured
08/1984 Matured
09/1984 Matured
10/1984 Matured
11/1984 Matured
12/1984 4.00%
01/1985 4.00%
02/1985 4.00%
03/1985 4.00%
04/1985 4.00%
05/1985 4.00%
06/1985 4.00%
07/1985 4.00%
08/1985 4.00%
09/1985 4.00%
10/1985 4.00%
11/1985 4.00%
12/1985 4.00%
01/1986 4.00%
02/1986 4.00%
03/1986 4.00%
04/1986 4.00%
05/1986 4.00%
06/1986 4.00%
07/1986 4.00%
08/1986 4.00%
09/1986 4.00%
10/1986 4.00%
11/1986 4.00%
12/1986 4.00%
01/1987 4.00%
02/1987 4.00%
03/1987 4.00%
04/1987 4.00%
05/1987 4.00%
06/1987 4.00%
07/1987 4.00%
08/1987 4.00%
09/1987 4.00%
10/1987 4.00%
11/1987 4.00%
12/1987 4.00%
01/1988 4.00%
02/1988 4.00%
03/1988 4.00%
04/1988 4.00%
05/1988 4.00%
06/1988 4.00%
07/1988 4.00%
08/1988 4.00%
09/1988 4.00%
10/1988 4.00%
11/1988 4.00%
12/1988 4.00%
01/1989 4.00%
02/1989 4.00%
03/1989 4.00%
04/1989 4.00%
05/1989 4.00%
06/1989 4.00%
07/1989 4.00%
08/1989 4.00%
09/1989 4.00%
10/1989 4.00%
11/1989 4.00%
12/1989 4.00%
01/1990 4.00%
02/1990 4.00%
03/1990 4.00%
04/1990 4.00%
05/1990 4.00%
06/1990 4.00%
07/1990 4.00%
08/1990 4.00%
09/1990 4.00%
10/1990 4.00%
11/1990 4.00%
12/1990 4.00%
01/1991 4.00%
02/1991 4.00%
03/1991 4.00%
04/1991 4.00%
05/1991 4.00%
06/1991 4.00%
07/1991 4.00%
08/1991 4.00%
09/1991 4.00%
10/1991 4.00%
11/1991 4.00%
12/1991 4.00%
01/1992 4.00%
02/1992 4.00%
03/1992 4.00%
04/1992 4.00%
05/1992 4.00%
06/1992 4.00%
07/1992 4.00%
08/1992 4.00%
09/1992 4.00%
10/1992 4.00%
11/1992 4.00%
12/1992 4.00%
01/1993 4.00%
02/1993 4.00%
03/1993 4.00%
04/1993 4.00%
05/1993 4.00%
06/1993 4.00%
07/1993 4.00%
08/1993 4.00%
09/1993 4.00%
10/1993 4.00%
11/1993 4.00%
12/1993 4.00%
01/1994 4.00%
02/1994 4.00%
03/1994 4.00%
04/1994 4.00%
05/1994 4.00%
06/1994 4.00%
07/1994 4.00%
08/1994 4.00%
09/1994 4.00%
10/1994 4.00%
11/1994 4.00%
12/1994 4.00%
01/1995 4.00%
02/1995 4.00%
03/1995 4.00%
04/1995 4.00%
Rates current as of 11/2014



Page last modified 11/3/2014