Guaranteed minimum rate
Do you hold Savings Bonds issued on June 1?
By investing in Savings Bonds, you benefit from a guaranteed minimum rate for a whole year. For example, if you buy bonds issued on June 1, 2024, this rate is guaranteed until May 31, 2025, even if interest rates fall during this period.
Annual adjustment
On each anniversary date (June 1 of each year), the rate on your Savings Bonds is automatically adjusted based on the rate of the new issue on June 1. This new rate then becomes your guaranteed minimum rate for an additional year without you having to do anything.
Reinvestment to benefit from a new guarantee
If you own June Savings Bonds, you can sell them and buy November ones. This allows you to benefit from the new guaranteed rate until October 31 of the following year.
Do you hold Savings Bonds issued on November 1?
By investing in Savings Bonds, you benefit from a guaranteed minimum rate for a whole year. For example, if you buy bonds issued on November 1, 2024, this rate is guaranteed until October 31, 2025, even if interest rates fall during this period.
Annual adjustment
On each anniversary date (November 1 of each year), the rate on your Savings Bonds is automatically adjusted based on the rate of the new issue on November 1. This new rate then becomes your guaranteed minimum rate for an additional year without you having to do anything.
Reinvestment to benefit from a new guarantee
If you own November Savings Bonds, you can sell them and buy June ones. This allows you to benefit from the new guaranteed rate until May 31 of the following year.
Maintenance
This page is currently under maintenance.
We apologize for any inconvenience and invite you to come back later.
