Understanding how I Bonds work is important since it can mean more money in your pocket.

Mel Lindauer
Forbes
Current I Bond Rate
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I Bond Rate Summary

This table represents the data used to determine an I Bond's inital rate.

Composite Rate = Fixed rate + 2 * CPI-U Rate +
(Fixed rate * CPI-U Rate)
Historical Initial Variable Rates

IssuedFixedCPI-UFixed * CPI-U2 * CPI-UVariable Calculated Composite Actual Composite
5/1/2020 0.00 0.53 0.0000 1.06 1.060000 1.060000 1.06%
11/1/2019 0.20 1.01 0.2020 2.02 2.0220200 2.2220200 2.23%
5/1/2019 0.50 0.70 0.3500 1.40 1.403500 1.903500 1.90%
11/1/2018 0.50 1.16 0.5800 2.32 2.325800 2.825800 2.83%
5/1/2018 0.00 0.98 0.0000 1.96 1.960000 1.960000 1.96%
11/1/2017 0.30 1.11 0.3330 2.22 2.2233300 2.5233300 2.52%
5/1/2017 0.00 0.98 0.0000 1.96 1.960000 1.960000 1.96%
11/1/2016 0.0 1.38 0.000 2.76 2.76000 2.76000 2.76%
5/1/2016 0.10 0.08 0.0080 0.16 0.1600800 0.2600800 0.26%
11/1/2015 0.10 0.77 0.0770 1.54 1.5407700 1.6407700 1.64%
5/1/2015 0.00 -0.8 0.000 -1.6 -1.60000 -1.60000 0.00%
11/1/2014 0.00 0.74 0.0000 1.48 1.480000 1.480000 1.48%
5/1/2014 0.10 0.92 0.0920 1.84 1.8409200 1.9409200 1.94%
11/1/2013 0.20 0.59 0.1180 1.18 1.1811800 1.3811800 1.38%
5/1/2013 0.00 0.59 0.0000 1.18 1.180000 1.180000 1.18%
11/1/2012 0.00 0.88 0.0000 1.76 1.760000 1.760000 1.76%
5/1/2012 0.00 1.10 0.0000 2.20 2.20000 2.20000 2.20%
11/1/2011 0.00 1.53 0.0000 3.06 3.060000 3.060000 3.06%
5/1/2011 0.00 2.30 0.0000 4.60 4.60000 4.60000 4.60%
11/1/2010 0.00 0.37 0.0000 0.74 0.740000 0.740000 0.74%
5/1/2010 0.20 0.77 0.1540 1.54 1.5415400 1.7415400 1.74%
11/1/2009 0.30 1.53 0.4590 3.06 3.0645900 3.3645900 3.36%
5/1/2009 0.10 -2.78 -0.2780 -5.56 -5.5627800 -5.4627800 0.00%
11/1/2008 0.70 2.46 1.7220 4.92 4.9372200 5.6372200 5.64%
5/1/2008 0.00 2.42 0.0000 4.84 4.840000 4.840000 4.84%
11/1/2007 1.20 1.53 1.8360 3.06 3.0783600 4.2783600 4.28%
5/1/2007 1.30 1.21 1.5730 2.42 2.4357300 3.7357300 3.74%
11/1/2006 1.40 1.55 2.1700 3.10 3.121700 4.521700 4.52%
5/1/2006 1.40 0.50 0.7000 1.00 1.00700 2.40700 2.41%
11/1/2005 1.00 2.85 2.8500 5.70 5.728500 6.728500 6.73%
5/1/2005 1.20 1.79 2.1480 3.58 3.6014800 4.8014800 4.80%
11/1/2004 1.00 1.33 1.3300 2.66 2.673300 3.673300 3.67%
5/1/2004 1.00 1.19 1.1900 2.38 2.391900 3.391900 3.39%
11/1/2003 1.10 0.54 0.5940 1.08 1.0859400 2.1859400 2.19%
5/1/2003 1.10 1.77 1.9470 3.54 3.5594700 4.6594700 4.66%
11/1/2002 1.60 1.23 1.9680 2.46 2.4796800 4.0796800 4.08%
5/1/2002 2.00 0.28 0.5600 0.56 0.565600 2.565600 2.57%
11/1/2001 2.00 1.19 2.3800 2.38 2.403800 4.403800 4.40%
5/1/2001 3.00 1.44 4.3200 2.88 2.923200 5.923200 5.92%
11/1/2000 3.40 1.52 5.1680 3.04 3.0916800 6.4916800 6.49%
5/1/2000 3.60 1.91 6.8760 3.82 3.8887600 7.4887600 7.49%
11/1/1999 3.40 1.76 5.9840 3.52 3.5798400 6.9798400 6.98%
5/1/1999 3.30 0.86 2.8380 1.72 1.7483800 5.0483800 5.05%
11/1/1998 3.30 0.86 2.8380 1.72 1.7483800 5.0483800 5.05%
9/1/1998 3.40 0.62 2.1080 1.24 1.2610800 4.6610800 4.66%

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Page last modified 9/25/2011