Learn about the types of U.S. savings bonds, how to buy or redeem them, and calculate their value. Find out how to change a bond’s ownership, replace it, and whether it is taxable.
What are savings bonds?
By buying a U.S. savings bond, you are lending the government money. When you redeem a bond, the government pays you back the amount you bought the bond for plus interest.
Manage electronic savings bonds
To buy, redeem, or manage electronic savings bonds, you will need to create or log into your TreasuryDirect account.
Buy savings bonds
You can buy electronic savings bonds online. Paper bonds can only be purchased as part of your IRS tax refund.
Learn how to buy U.S. savings bonds.
Determine the value of savings bonds
You can determine the value for an electronic savings bond by logging into your TreasuryDirect account.
For paper bonds, use the savings bond calculator.
Current EE and I series savings bonds
The U.S. Department of the Treasury currently sells two types of savings bonds, the EE and I series. Both series have different interest rates, which are either fixed or change with inflation. Learn more about EE bonds and I bonds, including how to:
- Buy and redeem them
- Determine their value
- Claim them if the owner has died
- Change ownership or beneficiaries
- Update personal information or fix errors
- Replace them if they are lost, stolen, or destroyed
- Report interest on your federal tax return
Older HH and historical savings bonds
The U.S. Department of the Treasury no longer issues HH and other historical bond series. But you can still redeem them.
HH series savings bonds
The last HH series savings bonds the U.S. government issued are still earning interest until 2024. Learn more about HH bonds, including how to:
- Redeem them
- Determine their value
- Claim them if the owner has died
- Change ownership or beneficiaries
- Update personal information or fix errors
- Replace them if they are lost, stolen, or destroyed
- Report interest on your federal tax return
Historical and retired savings bonds
Like HH bonds, you can no longer buy historical and retired savings bonds. Learn more about older savings bonds series and savings securities, and find out:
- When the U.S. government issued them
- If they are still earning interest
- How to cash them
- What their value is or how to calculate it
- If the interest is taxable
Search for missing savings bonds
Search for matured savings bonds and missing interest using Treasury Hunt, an online tool from TreasuryDirect.
LAST UPDATED: January 24, 2024
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