This article has been updated to reflect the current new Series I bond rates for May, 2025 to November, 2025 period. The new I bond rate has been set at a composite 3.98% (up from 3.11% APR in the prior 6-month period). Due to a declining inflation rate, this current rate has dipped below the rate at the time I wrote my initial I bond overview a few years ago when I made my first purchase. You can buy I Bonds online at the current 3.98% rate through the end of October, 2025 and you will get that rate for
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