Updated November 4, 2026. Quick answer: TreasuryDirect sets the EE bond rate for November 2026 at 2.90%, a fixed rate for EE bonds issued November 1, 2026 to April 30, 2027. It is up 0.50 points from the 2.40% set May 1, 2026 and up 0.40 points from the 2.50% set November 1, 2025 (both computed). The next rate is set May 1, 2027. Read on TreasuryDirect November 4, 2026.
EE bond rate settings: the May 2027 EE bond rate, due May 1, 2027.
The EE bond rate for November 2026
| Item | TreasuryDirect |
|---|---|
| Interest rate (fixed) | 2.90% |
| Applies to bonds issued | November 1, 2026 to April 30, 2027 |
| How long it is earned | The first 20 years of the bond |
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 page with every announcement since May 2005 is EE bond rates and the fixed-rate history.
How November compares with earlier announcements
The last nine announcements, from TreasuryDirect’s own table:
| 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% |
November 2026 is up 0.50 points on May 2026 (2.90 minus 2.40) and up 0.40 points on November 2025 (2.90 minus 2.50); both differences are computed.
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.
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.
Common mistakes
- Treating the November 2026 rate as a rate for bonds you bought earlier. Your bond keeps the rate in force on its own issue date.
- Assuming the rate will stay the same after April 30, 2027. TreasuryDirect sets a new rate each May 1 and November 1 for the bonds it then sells.
- Treating the doubling guarantee as an interest rate. It is a floor value at 20 years, paid as a one-time adjustment if needed.
Related: EE bond rates and the fixed-rate history, how the EE bond 20-year doubling guarantee works, the November 2026 I bond rate, and when to cash out an I bond.
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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.