Updated November 4, 2026. Quick answer: TreasuryDirect shows the EE bond interest rate as 2.90% for EE bonds issued November 1, 2026 to April 30, 2027. It is a fixed rate that a new bond earns for its first 20 years, and it is up from 2.40% for bonds issued in the six months after May 1, 2026. TreasuryDirect resets it every May 1 and November 1 for the bonds it sells next; the full history since May 2005 is in the table below. Read on TreasuryDirect November 4, 2026.
The Treasury forms for inherited and TreasuryDirect savings bonds, read line by line: FS Form 5394 (closed or state-statute estate), FS Form 1048 (lost, stolen or destroyed savings bonds) and FS Form 5512 (redeem TreasuryDirect bonds or change bank).
Not yet published: the November 2027 EE bond rate, due November 1, 2027.
Not yet published: the May 2027 EE bond rate, due May 1, 2027.
The EE bond rate right now
| Item | Current announcement |
|---|---|
| Interest rate (fixed) | 2.90% |
| Applies to bonds issued | November 1, 2026 to April 30, 2027 |
| Rate set May 1, 2026 | 2.40% |
| Rate set November 1, 2025 | 2.50% |
| Change from the May 2026 rate | up 0.50 points (computed: 2.90 minus 2.40) |
TreasuryDirect shows “Current Interest Rate” for Series EE savings bonds as 2.90%, “For EE bonds issued November 1, 2026 to April 30, 2027”. The single-month page is the November 2026 EE bond rate.
What a fixed rate means
TreasuryDirect says “EE bonds that we issued since May 2005 earn a fixed rate of interest that is set before you buy the bond. They earn that rate for their first 20 years.” For a bond you already own, it says “For an EE bond you already own that we issued since May 2005, the interest rate is already fixed (at least for the first 20 years of the bond’s life).” A new announcement therefore changes what bonds bought from that date earn, not what your existing bond earns.
It adds that “Each May 1 and November 1, we set the interest rate for all EE bonds we’ll sell in the following six months.” The rate on this page applies to bonds issued November 1, 2026 to April 30, 2027; the next setting is the May 1, 2027 one.
Every announcement since May 2005
TreasuryDirect lists the rate it set on each May 1 and November 1. Each row applies to EE bonds issued in the six months after that date.
| Date TreasuryDirect set the rate | Rate for EE bonds issued in the next 6 months |
|---|---|
| November 1, 2026 | 2.90% |
| May 1, 2026 | 2.40% |
| November 1, 2025 | 2.50% |
| May 1, 2025 | 2.70% |
| November 1, 2024 | 2.60% |
| May 1, 2024 | 2.70% |
| November 1, 2023 | 2.70% |
| May 1, 2023 | 2.50% |
| November 1, 2022 | 2.10% |
| May 1, 2022 | 0.10% |
| November 1, 2021 | 0.10% |
| May 1, 2021 | 0.10% |
| November 1, 2020 | 0.10% |
| May 1, 2020 | 0.10% |
| November 1, 2019 | 0.10% |
| May 1, 2019 | 0.10% |
| November 1, 2018 | 0.10% |
| May 1, 2018 | 0.10% |
| November 1, 2017 | 0.10% |
| May 1, 2017 | 0.10% |
| November 1, 2016 | 0.10% |
| May 1, 2016 | 0.10% |
| November 1, 2015 | 0.10% |
| May 1, 2015 | 0.30% |
| November 1, 2014 | 0.10% |
| May 1, 2014 | 0.50% |
| November 1, 2013 | 0.10% |
| May 1, 2013 | 0.20% |
| November 1, 2012 | 0.20% |
| May 1, 2012 | 0.60% |
| November 1, 2011 | 0.60% |
| May 1, 2011 | 1.10% |
| November 1, 2010 | 0.60% |
| May 1, 2010 | 1.40% |
| November 1, 2009 | 1.20% |
| May 1, 2009 | 0.70% |
| November 1, 2008 | 1.30% |
| May 1, 2008 | 1.40% |
| November 1, 2007 | 3.00% |
| May 1, 2007 | 3.40% |
| November 1, 2006 | 3.60% |
| May 1, 2006 | 3.70% |
| November 1, 2005 | 3.20% |
| May 1, 2005 | 3.50% |
What 2.90% does over 20 years
TreasuryDirect says “If you buy an EE bond now, we guarantee that in 20 years it will be worth at least twice what you paid for it.” It also says “If you keep the bond for 20 years, we will make a one-time adjustment, if necessary, to fulfill this guarantee.” So the guarantee is a floor at the 20-year mark, and the interest rate is what decides how much of the doubling the interest earns on its own.
A bond that grew at one constant annual rate and doubled in exactly 20 years would need the 20th root of 2, minus 1: 3.53% a year (computed). A 2.90% rate compounded semiannually is a yield of (1 + 0.0290 / 2) squared, minus 1: 2.92% a year (computed), below that mark. At that yield a bond takes about 24.1 years to double on interest alone (computed: the natural log of 2, divided by 2 times the natural log of 1.0145). So a bond bought at 2.90% would be expected to need the one-time adjustment at year 20. How the adjustment works, and what it means for cashing out in year 19, is on how the EE bond 20-year doubling guarantee works.
Buying and cashing in an EE bond
Limits and terms from TreasuryDirect: “$25 minimum or any amount above that to the penny.” “In any one calendar year for one Social Security Number, you may buy up to $10,000 in EE bonds.” “New EE bonds are electronic only.”
On cashing in: “You can cash in (redeem) your EE bond after 12 months.” “However, if you cash in the bond in less than 5 years, you lose the last 3 months of interest.” On tax: “Federal income tax: Yes” and “State and local income tax: No”. “You choose whether to report each year’s earnings or wait to report all the earnings when you get the money for the bond.” The form that reports the interest is covered on Form 1099-INT box 3 savings bond interest.
EE bond rate or I bond rate
The two rates are not built the same way. The EE rate is fixed for the first 20 years of the bond. TreasuryDirect lists the I bond rate for the same window, bonds issued November 1, 2026 to April 30, 2027, as 5.51% and says “This includes a fixed rate of 1.40%”, with the rest coming from inflation. Compare the two as different products, not as two numbers on one scale: the I bond rate resets with inflation, the EE rate does not reset for bonds you already hold. The I bond details are on I bond rates and the November 2026 I bond rate.
Common mistakes
- Reading the newest row as a rate on bonds you already own. A rate applies to bonds issued in the six months after the date it was set.
- Expecting the interest rate alone to double the money in 20 years. At this rate it does not; the one-time adjustment at year 20 is what makes up the difference.
- Comparing the EE rate with the I bond combined rate as if both were fixed for the same period.
Related: the November 2026 EE bond rate, how the EE bond 20-year doubling guarantee works, I bond rates, I bond purchase limits and gifting, and inherited savings bonds.
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Answer againSources
- U.S. Department of the Treasury, TreasuryDirect, EE bonds: www.treasurydirect.gov
- U.S. Department of the Treasury, TreasuryDirect, EE bonds: May 2005 and later (interest rates for bonds issued since May 2005): www.treasurydirect.gov
- U.S. Department of the Treasury, TreasuryDirect, I bonds: www.treasurydirect.gov
Read from the primary documents linked above on November 4, 2026. General information, not tax advice. Your own facts decide the outcome, and a preparer or the IRS itself is the right place to confirm anything consequential.