Updated November 8, 2026. Quick answer: TreasuryDirect has not set the EE bond rate for November 2027. It sets a new fixed rate every May 1 and November 1 for the EE bonds it sells in the following six months, so the November 1, 2027 setting comes after the May 1, 2027 one. As of November 8, 2026 the rate is 2.90% for EE bonds issued November 1, 2026 to April 30, 2027, up from 2.40% in May 2026. This page prints no November 2027 figure and no estimate.
Where the EE rate stands before November 2027
| Item | Status as of November 8, 2026 |
|---|---|
| Interest rate (fixed), bonds issued Nov. 1, 2026 to Apr. 30, 2027 | 2.90% |
| Next setting | May 1, 2027 (not yet made) |
| Setting after that | November 1, 2027 (not yet made) |
| Rate set November 1, 2025 | 2.50% |
| Change from the November 2025 rate | up 0.40 points (computed: 2.90 minus 2.50) |
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 announcement behind it has its own page, the November 2026 EE bond rate; the setting due first is on the May 2027 EE bond rate, and every setting since May 2005 is on EE bond rates and the fixed-rate history.
When the November 2027 rate will be set
TreasuryDirect says “Each May 1 and November 1, we set the interest rate for all EE bonds we’ll sell in the following six months.” The November 2027 rate therefore applies to EE bonds issued from November 1, 2027 to April 30, 2028, and it is not known until that day, so this page prints none. This page updates when TreasuryDirect posts the rate: the rate, the change from 2.90% and the history table will replace this text.
The November settings since 2005
TreasuryDirect lists the rate it set on each May 1 and November 1. The November rows, each applying 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% |
| November 1, 2025 | 2.50% |
| November 1, 2024 | 2.60% |
| November 1, 2023 | 2.70% |
| November 1, 2022 | 2.10% |
| November 1, 2021 | 0.10% |
| November 1, 2020 | 0.10% |
| November 1, 2019 | 0.10% |
| November 1, 2018 | 0.10% |
| November 1, 2017 | 0.10% |
| November 1, 2016 | 0.10% |
| November 1, 2015 | 0.10% |
| November 1, 2014 | 0.10% |
| November 1, 2013 | 0.10% |
| November 1, 2012 | 0.20% |
| November 1, 2011 | 0.60% |
| November 1, 2010 | 0.60% |
| November 1, 2009 | 1.20% |
| November 1, 2008 | 1.30% |
| November 1, 2007 | 3.00% |
| November 1, 2006 | 3.60% |
| November 1, 2005 | 3.20% |
The rows are a record of past settings, not a forecast of 2027. November 2025 was 2.50%, which is 0.40 points below the November 2026 setting (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 2.90% as the November 2027 rate. It applies to bonds issued through April 30, 2027; the rate for bonds issued from November 1, 2027 is set that day.
- Expecting a new rate to change what a bond you already own earns. A bond keeps the fixed rate it was issued with, at least for its first 20 years.
- 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.
Related: the May 2027 EE bond rate, the November 2026 EE bond rate, EE bond rates and the fixed-rate history, how the EE bond 20-year doubling guarantee works, and I bond rates.
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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
Read from the primary documents linked above on November 8, 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.