We’ve been reporting on the twice-per-year I Bond charge releases. Through Tipswatch, the brand new charge for November 2025 by way of April 2026 is projected to be 4.02%, barely increased than the May-Oct 2025 rate of 3.98%. Extra vital is the breakdown: The brand new charge is comprised of three.12% variable charge (confirmed), plus an estimated/projected .90% fastened charge.
I Bonds Nov 2025 – Apr 2026
What this implies:
- If you happen to already personal I Bonds and maintain them, you’ll get simply 3.12% rate of interest for the six month charge interval of November 2025 by way of April 2026 (plus no matter your fastened charge is from a earlier purchase, which for some folks is zero).
- If you happen to purchase new I Bonds between November 1, 2025 and April 30, 2026, you’ll possible get round 4.02% for the primary six months (3.12% variable + 0.90% fastened). After the six months is over, you’ll get the 0.90% fastened charge added to regardless of the future variable charges are on the time.
For comparability sake: the present charge which runs May 2025 through October 2025 is 3.98% – that comes from a 1.10% fastened charge and a pair of.88% variable charge.
Our Verdict
Somebody trying to maintain long term would need to purchase earlier than the top of October and lock within the higher 1.10% fastened charge (versus the upcoming projected 0.90% fastened charge).
Don’t neglect in regards to the 3-month penalty for many who withdraw in lower than 5 years. Whereas 4.02% isn’t a bad rate currently – particularly given the state tax exemption on I Bonds and treasuries – when you lose a bit of it to the 3-month penalty the speed isn’t as fascinating.
Record of Previous I-Bonds Charges
For context, here’s a overview of previous I Bond charges that many people purchased into:
