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I bond rates
The history of the I bond fixed rate and how it separates bonds bought at different times.
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I bonds issued from November pay 5.51% as the fixed rate rises to 1.40%
TreasuryDirect set a 1.40% fixed rate, up from 0.90%, and a 2.04% inflation rate; the FDIC's average savings account pays 0.38%.
The I bond fixed rate of 1.40% is its highest since 2006, after a decade near zero
TreasuryDirect has set 58 fixed rates since 1998; 16 were zero. The fixed part, not the shared inflation rate, explains why bonds bought at different times earn 4.08% to 5.51%.