Series EE Savings Bonds Interest Rates

How to Find Out the Interest Rate on Your Series EE Savings Bond

Series EE savings bonds issued after May 2005 earn a fixed rate of interest. The interest rate on Series EE savings bonds is determined by taking the 10 Year Treasury Note (you can find this in the Wall Street Journal or through your broker), and making an adjustment for the special benefits offered only to savings bond holders such as the opportunity to redeem your bonds early and defer taxes. The process was different in the past.

Series EE savings bonds have two "reset" dates each year: May 1st and November 1st. On these dates, the new rate effective for all Series EE bonds issued in the next six months is published. Interest is added to the bonds each month (not every six months) and is compounded (that is, added to the principal so that you are paid interest on interest), every six months.

Series EE Savings Bond Interest Rates for Bonds Issued May 2005 and After

Any Series EE savings bonds issued after May 2005 receive a fixed interest rate depending upon the issue date. Here is a chart of the historical interest rates guaranteed on Series EE bonds.

Effective Date & Series EE Savings Bond Interest Rate
May 2009 - Oct 2009 = 0.70%
Nov 2008 - Apr 2009 = 1.30%
May 2008 - Oct 2008 = 1.40%
Nov 2007 - Apr 2008 = 3.00%
May 2007 - Oct 2007 = 3.40%
Nov 2006 - Apr 2007 = 3.60%
May 2006 - Oct 2006 = 3.70%
Nov 2005 - Apr 2006 = 3.20%
May 2005 - Oct 2005 = 3.50%

Series EE Savings Bond Interest Rates for Bonds Issued May 1997 and April 2005

Series EE savings bonds issued between May 1997 and April 2005 are variable rate, meaning they earn interest at the savings bonds rates announced every May 1st and November 1st. The rates apply the first semi-annual earning period starting on or after the effective date shown, according to the United States Treasury.

Effective Date & Series EE Savings Bond Interest Rate
May 1, 2009 = 1.64%
Nov 1, 2008 = 2.80%
May 1, 2008 = 2.74%
Nov 1, 2007 = 4.11%
May 1, 2007 = 4.15%
Nov 1, 2006 = 4.39%
May 1, 2006 = 4.11%
Nov 1, 2005 = 3.61%
May 1, 2005 = 3.42%
Nov 1, 2004 = 3.25%
May 1, 2004 = 2.84%
Nov 1, 2003 = 2.61%
May 1, 2003 = 2.66%
Nov 1, 2002 = 3.25%
May 1, 2002 = 3.96%
Nov 1, 2001 = 4.07%
May 1, 2001 = 4.50%
Nov 1, 2000 = 5.54%
May 1, 2000 = 5.73%
Nov 1, 1999 = 5.19%
May 1, 1999 = 4.31%
Nov 1, 1998 = 4.60%
May 1, 1998 = 5.06%
Nov 1, 1997 = 5.59%
May 1, 1997 = 5.68%

For more information, visit our Series EE Savings Bond Guide. You'll discover tons of articles, content, and resources to teach you about the Series EE savings bonds and how they may fit into your portfolio.