I bond rate: 4.26% (May 2026 – Oct. 2026)
The I bond rate is 4.26% for I bonds bought from May 2026 through Oct. 2026, per TreasuryDirect.
Updated (ET)
The I bond rate is 4.26% for I bonds bought from May 2026 through Oct. 2026, per TreasuryDirect. Treasury announces new rates every May 1 and November 1.
The composite rate combines a fixed rate, kept for the life of the bond, and an inflation rate that resets every 6 months. Your own bond earns the rate for its 6-month earning period, which depends on the month you bought it.
| Issued from | Through | Composite rate | Source |
|---|---|---|---|
| May 2026 | Oct. 2026 | 4.26% | TreasuryDirect |
| Nov. 2025 | Apr. 2026 | 4.26% | TreasuryDirect |
FAQ
What is the I bond rate right now?
What is the I bond rate right now?
4.26% for bonds issued May 2026 – Oct. 2026. (Source)
When does the I bond rate change?
Every May 1 and November 1. (Source)
What is the composite rate?
The combined fixed rate plus inflation rate; it is a yearly rate applied for 6 months. (Source)
Can the I bond rate go below zero?
No. TreasuryDirect stops the combined rate at zero. (Source)
Where do I buy I bonds?
Electronic I bonds are sold through TreasuryDirect. (Source)