How much can one person or entity own in savings bonds?
There is no limit on the total amount that any person or entity can own in savings bonds.
How much can I spend each year on savings bonds?
We count the limits by the Social Security Number of the first person named on the bond or, in the case of an entity, by the Employer Identification Number or Social Security Number.
A given Social Security Number or Employer Identification Number can buy up to these amounts in savings bonds each calendar year:
$5,000 in paper I bonds that you can buy when you file federal tax forms
Notes:
Gift bonds count toward the limit of the recipient, not the giver.
If you have an individual account and an entity account in TreasuryDirect that use the same Social Security Number, you can purchase up to the limits in each of the 2 accounts.
What about bonds . . .
that I co-own?
If you co-own savings bonds with someone else, only the bonds for which you are the first named owner count toward your limit.
Savings bonds for which you are the second named owner do not count towards your limit. They count towards the limit of the other person – the one who is named first on the bonds.
Each child has their own Social Security Number. Therefore, no matter who buys bonds for the child, the amount of those bonds counts for the child's limit – not the limit of the buyer.
When you open a linked account in TreasuryDirect for a child under 18, the bonds in the child's linked account belong to the child. You do not own them. Therefore, they do not count in your limit.
Each child has the same yearly limit: $10,000 for electronic EE bonds; $10,000 for electronic I bonds; $5,000 for paper I bonds.
What about bonds . . .
I give as gifts?
This is just like the situation with your children. The gift belongs to the person to whom you give the bond. Therefore, the amount counts in that person's limit, not in your limit.
The gift counts for that person's limit in the year in which they get the bond.
While the gift is sitting in your TreasuryDirect account waiting to be delivered, it is in a special "gift box." So, even then, it is not yours and does not count in your limit.
How much can I convert from paper bonds to electronic bonds?
There is no limit on the bonds you can convert. It does not impact your yearly spending limits.
You already own the bonds. Converting them only changes where they live.
For example, you could buy an electronic savings bond
savings bond
We sell Treasury Bonds for a term of either 20 or 30 years. Bonds pay a fixed rate of interest every six months until they mature. You can hold a bond until it matures or sell it before it matures. EE Bonds, I Bonds, and HH Bonds are U.S. savings bonds.
for $75.38. In any one calendar year, you may buy up to $10,000 in Series EE electronic savings bonds AND up to $10,000 in Series I electronic savings bonds for yourself as owner of the bonds.
$10 million (non-competitive bid) 35% of offering amount (competitive bid) (See Buying a Treasury marketable security for information on types of bids.)
Is there a maximum amount I can buy? In a calendar year, one Social Security Number or one Employer Identification Number may buy: up to $10,000 in electronic I bonds, and. up to $5,000 in paper I bonds (with your tax refund)
You can hold a bill until it matures or sell it before it matures. In a single auction, a bidder can buy up to $10 million in bills by non-competitive bidding or up to 35% of the initial offering amount by competitive bidding.
TreasuryDirect securities are electronic, with transaction records maintained and stored in your secure, online account. You may purchase electronic EE or I Bonds for as little as $25 up to $10,000 in penny increments.
Normally, you're limited to purchasing $10,000 per person on electronic Series I bonds per year. However, the government allows those with a federal tax refund to invest up to $5,000 of that refund into paper I bonds. So most investors think their annual investment tops out at $15,000 – one of the key I bond myths.
You just bought a security from the U.S. Treasury. Securities are generally issued to your account within two business days of the purchase date for savings bonds or within one week of the auction date for Bills, Notes, Bonds, FRNs, and TIPS.
Series EE savings bonds are a low-risk way to save money. They earn interest regularly for 30 years (or until you cash them if you do that before 30 years). For EE bonds you buy now, we guarantee that the bond will double in value in 20 years, even if we have to add money at 20 years to make that happen.
The fundamental difference between them is the variable inflation interest rate offered by I bonds and the guaranteed 20 year doubling for EE bonds. I bond investors enjoy great flexibility.
That said, there is a $10,000 limit each year for purchasing them. There are a number of ways around this limit, though, including using your tax refund, having your spouse purchase bonds as well and using a separate legal entity like a trust.
3 Month Treasury Bill Rate is at 5.25%, compared to 5.25% the previous market day and 5.18% last year. This is higher than the long term average of 4.19%. The 3 Month Treasury Bill Rate is the yield received for investing in a government issued treasury security that has a maturity of 3 months.
1 Year Treasury Rate is at 5.21%, compared to 5.20% the previous market day and 5.24% last year. This is higher than the long term average of 2.95%. The 1 Year Treasury Rate is the yield received for investing in a US government issued treasury security that has a maturity of 1 year.
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