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About TreasuryDirect
TreasuryDirect.gov is the one and only place to electronically buy and redeem U.S. Savings Bonds. We also offer electronic sales and auctions of other U.S.-backed investments to the general public, financial professionals, and state and local governments.
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Savings Bonds
Today’s Rates
4.26%
This includes a fixed rate of 0.90%
For I bonds issued May 1, 2026 to October 31, 2026.
Processing Times
Currently, we are experiencing a high volume of requests, which is causing delays in our response times for requests submitted by mail.
If you have a TreasuryDirect account in your name, the processing times for specific transactions are as follows:
- Unlocking Your Account or Updating Banking Information: Requests to unlock your TreasuryDirect account or update your banking details may take two weeks or longer to complete.
- Converting Paper Savings Bonds to Electronic Format: It may take nine months or longer to process requests to convert paper savings bonds into electronic bonds.
Searching for Lost, Stolen, or Missing Savings Bonds: Requests to locate lost, stolen, or missing savings bonds require eleven months or longer for processing.
Cashing Paper Savings Bonds: If you are named on the bonds and send them in with your request, processing may take three months or longer.
Other Paper Savings Bond Transactions (Not in Your Name): Transactions you are authorized to complete, but that are not in your name, require five months or longer to process.
Other TreasuryDirect Requests (Including Trusts): Requests related to trusts and other TreasuryDirect matters may take ten months or longer to process.
Special Announcements for TreasuryDirect account holders:
2025 1099 tax forms for TreasuryDirect will be available January 31, 2026. See our 1099 information.
You can call us from 8 a.m. to 6 p.m. ET, Monday through Friday, at 844-284-2676.
The annual purchase limit for Series I savings bonds in TreasuryDirect is $10,000.
Check out our new savings bond explainer page