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Buying EE Savings Bonds

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What is an EE Bond?

An EE Savings Bond is a U.S. Treasury security that earns interest for up to 30 years.

EE Bonds issued since May 2005 earn a fixed rate of interest. You know the interest the bond will earn when you buy it.

For EE Bonds bought between May 1, 2014 – October 31, 2014: Current rate = 0.50%.

Older EE Bonds earn interest in different ways. More on EE Bond Rates

Who may own an EE Bond?

Individuals Yes, if you have a Social Security Number and meet any one of these three conditions:

  • United States citizen, whether you live in the U.S. or abroad
  • United States resident
  • Civilian employee of the United States, no matter where you live
Trust, estate, corporation, partnership or other entity Yes

Special note about minors (children; under age 18)

A minor may own EE Bonds. However, a minor may not open an online account, buy bonds, or conduct other transactions. An adult custodian, such as a parent, may open an online account for the minor that is linked to the adult's online account. The adult can buy securities and conduct other transactions for the minor.

Registering an EE Bond

What do EE Bonds cost?

Electronic You pay the face value. For example, an electronic $50 EE Bond costs $50.

Electronic EE Bonds come in any amount to the penny for $25 or more. For example, you could buy a $50.23 bond.

How much can I buy?

Up to $10,000 per year, per Social Security Number  Note: In any one year, for any one Social Security Number, you can buy $10,000 per year in electronic EE Bonds

Where can I buy EE Bonds?

Electronic EE Bonds
TreasuryDirect
  • Easiest, fastest and only way.
  • Bonds go directly into your online account.
  • Account is always available, 24 hours, 7 days.
  • You don't have paper to worry about losing.
  • You can set up an automatic buying schedule.
  • You can save directly from your payroll with a Payroll Savings Plan.

We no longer support buying paper bonds. If you bought bonds through your employer in the past, open a TreasuryDirect account and buy bonds. Answers to questions about the change in paper payroll savings bonds

Who owns the bond and who can cash it?

When you buy the bond, you must register it. How you register it determines who owns the bond and who can cash it. Registering an EE Bond