Learn More About Purchase Limitations
Savings Bonds: You may purchase up to $5,000 of each savings bond type – EE or I bonds – per person each calendar year. Purchases of any other Treasury securities - including paper EE and I Savings Bonds or marketable securities - do not alter the purchase limits for electronic EE and I Savings Bonds. The minimum purchase amount is $25.00, increasing with penny increments not to exceed $5,000. The purchase amount of the savings bonds you transfer, deliver as gifts, or de-link to another TreasuryDirect account holder is applied to the recipient's annual purchase limitation in the year the transaction occurs.
Zero-Percent Certificate of Indebtedness (Zero-Percent C of I or C of I): There's no limit to the total amount you may hold in your C of I – but remember, this type of security does not earn any interest. Your C of I security is not included in the savings bond or marketable security purchase limitation. When you choose to withdraw funds from a designated bank account to purchase a C of I, the maximum purchase amount is $1,000 per transaction.
Marketable Securities - Bills, Notes, Bonds, and TIPS: You may purchase up to $5 million of each marketable security type - in Bills, Notes, Bonds, and TIPS - when you bid noncompetitively in an auction through your TreasuryDirect account. Note: No matter what method you use to purchase Treasury marketable securities (TreasuryDirect, Legacy Treasury Direct, financial institution, broker, or dealer), you can only bid noncompetitively for a total of $5 million for each security type in a single auction. The minimum purchase amount is $100 with multiples sold in the same increment. Although there is no option for automatic reinvestment in TreasuryDirect, you can reinvest your proceeds from a maturing security in the next security auction. See Learn More About Maturing Proceeds.