Average interest rate
United States Savings Securities
U.S. savings bonds held by the public. The average rate blends older, higher-rate bonds still earning interest with newer issues.
Latest (Aug 2026)
3.15%
▼ -0.007 pp MoM
Year-over-year
▼ -0.236 pp
vs. Aug 2025
13-year low
2.49%
Apr 2022
13-year high
3.49%
Aug 2024
This is an average, not today's rate. This is the average across savings bonds already outstanding, blending decades of issues — not what a bond bought today would pay. Rates for new Series I and Series EE bonds are set twice a year and published by TreasuryDirect. For a market-based read on inflation protection, see TIPS real yields.
United States Savings Securities — average rate history
Monthly, Jan 2013 – Aug 2026.
Download: rates-savings-bonds.csv · CSV · public domain
Last 24 months
| Month | Avg. rate | MoM |
|---|---|---|
| Aug 2026 | 3.145% | ▼ -0.007 pp |
| Jul 2026 | 3.152% | ▼ -0.008 pp |
| Jun 2026 | 3.160% | ▼ -0.009 pp |
| May 2026 | 3.169% | ▼ -0.007 pp |
| Apr 2026 | 3.176% | ▼ -0.040 pp |
| Mar 2026 | 3.216% | ▼ -0.036 pp |
| Feb 2026 | 3.252% | ▼ -0.035 pp |
| Jan 2026 | 3.287% | ▼ -0.041 pp |
| Dec 2025 | 3.328% | ▼ -0.048 pp |
| Nov 2025 | 3.376% | ▼ -0.039 pp |
| Oct 2025 | 3.415% | ▲ +0.018 pp |
| Sep 2025 | 3.397% | ▲ +0.016 pp |
| Aug 2025 | 3.381% | ▲ +0.016 pp |
| Jul 2025 | 3.365% | ▲ +0.019 pp |
| Jun 2025 | 3.346% | ▲ +0.022 pp |
| May 2025 | 3.324% | ▲ +0.018 pp |
| Apr 2025 | 3.306% | ▼ -0.031 pp |
| Mar 2025 | 3.337% | ▼ -0.028 pp |
| Feb 2025 | 3.365% | ▼ -0.027 pp |
| Jan 2025 | 3.392% | ▼ -0.032 pp |
| Dec 2024 | 3.424% | ▼ -0.036 pp |
| Nov 2024 | 3.460% | ▼ -0.029 pp |
| Oct 2024 | 3.489% | ▼ -0.002 pp |
| Sep 2024 | 3.491% | — |