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What is the difference between EE and I Bonds?

April 26, 2017bonds EE

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What is the difference between EE and I Bonds?

2 Answers

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The biggest difference is the interest rate you receive on your bonds. Earnings for EE Bonds are calculated as 90% of 6-month averages of 5-year Treasury Securities market yields. Earnings for I Bonds are calculated by combining a fixed rate of return and a semiannual inflation rate based on the CPI-U.

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The biggest difference is the rate you receive on your bonds. Rates for EE Bonds depend on the issue date and are either a fixed rate of return or a variable rate based on 90% of 6-month averages of 5-year Treasury Securities yields, while rates for I Bonds are calculated by combining fixed rates of return and semi-annual inflation rates based on the CPI-U.