EE Bond Rates

Current EE Bond Rates

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

• Newly Purchased EE Bond
• EE Bonds Issued since May 2005
• EE Bonds Issued May 1997 - April 2005
• EE Bonds Issued May 1995 - April 1997
• EE Bonds Issued before May 1995

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.

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).

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.

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.

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.

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.

Related Topics

• Compare EE Bonds to Other Investments
• EE Bond Value Calculators
• Buying EE Bonds