Buying Series EE Savings Bonds

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What is an EE bond?

An EE savings bond is a U.S. Treasury security. It earns interest for up to 30 years.

EE bonds issued since May 2005 earn a fixed rate of interest. When you buy the bond, you know the rate of interest it will earn.

For EE bonds bought from November 1, 2018 through April 30, 2019, the rate is 0.10%.

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

We issue EE bonds in electronic form in our online program TreasuryDirect. We no longer issue EE bonds in paper form.

How can I buy EE bonds?

You can buy them only in electronic form, in our online program TreasuryDirect.  We no longer issue EE bonds in paper form.

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
Children under 18 Yes, if they meet one of the three conditions above for individuals.  However, a child may not open a TreasuryDirect account, buy bonds, or conduct other transactions.  A parent or other adult custodian may open for the child a TreasuryDirect account that is linked to the adult’s TreasuryDirect account.  The parent or other adult custodian can buy securities and conduct other transactions for the child, and other adults can buy savings bonds for the child as gifts.
Trust, estate, corporation, partnership or other entity Yes

What determines who owns an EE bond and who can cash it?

How you register the bond at purchase determines who owns it and who can cash it.  The registration is the name of the owner (either a person or entity), the Taxpayer Identification Number, and, if applicable, the second-named owner or beneficiary.

What do EE bonds cost?

You pay the face value. For example, a $50 EE bond costs $50.

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

How much in EE bonds can I buy for myself?

  • In a calendar year, you can acquire up to $10,000 in EE bonds.  Bonds you buy for yourself and bonds you receive as gifts or via transfers count toward the limit.  Two exceptions:
    • If a bond is transferred to you due to the death of the original owner, the amount doesn’t count toward your limit.
    • If you own a paper bond issued before 2008, you can convert it to an electronic bond in your account in TreasuryDirect regardless of the amount of the bond.  (The annual limit before 2008 was greater than today’s limit of $10,000.) 

Can I buy EE bonds as gifts for others?

Yes.  You can buy them as gifts for any TreasuryDirect account holder, including children.

How much in EE bonds can I buy as gifts?

The purchase amount of a gift bond counts toward the annual limit of the recipient, not the giver.  So, in a calendar year, you can buy up to $10,000 for each person you buy for.