# iBonds **URL:** \ **Category:** Money\ **Created:** [November 3, 2026, 9:47pm UTC](https://discourse.thelastforum.com/t/ibonds/110712 "2026-11-03T21:47:31Z")\ **Posts on this page:** 5\ **Page:** 1

**Author:** ![jimtoo](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/jimtoo/32/16415_2.png) [@jimtoo](https://discourse.thelastforum.com/u/jimtoo)\ **Post date:** [November 3, 2026, 9:47pm UTC](https://discourse.thelastforum.com/t/ibonds/110712/1 "2026-11-03T21:47:31Z")

The Treasury Dept began issuing a new series of iBonds on Nov 1, with a base interest rate of 5.5%. The rate is adjusted every 6 Months depending on the rate of inflation. The max purchase is $10,000 per person. The interest accrues in your Treasury account and is not taxable until you cash the bonds out. Interest is also not subject to state or local income tax. We bought some of these before the high inflation rates paid out in 2022. > **[I bonds now pay 5.51%: What to know before you buy](https://finance.yahoo.com/personal-finance/investing/article/i-bonds-now-pay-551-what-to-know-before-you-buy-161812462.html)** > > Series I bonds are gaining popularity among savers. Here's how they work and whether they're right for you. ---

**Author:** ![Wintermute](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/wintermute/32/35_2.png) [@Wintermute](https://discourse.thelastforum.com/u/Wintermute)\ **Post date:** [November 3, 2026, 9:55pm UTC](https://discourse.thelastforum.com/t/ibonds/110712/2 "2026-11-03T21:55:39Z")

How do you even buy bonds now ? ---

**Author:** ![mcarley](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/mcarley/32/5644_2.png) [@mcarley](https://discourse.thelastforum.com/u/mcarley)\ **Post date:** [November 3, 2026, 10:10pm UTC](https://discourse.thelastforum.com/t/ibonds/110712/3 "2026-11-03T22:10:06Z")

I bought some in 2022 when inflation was high. Have to decide next year whether to keep or do something else with the $. ---

> [@Wintermute](#): > > How do you even buy bonds now ? Treasurydirect ---

**Author:** ![Bears54](https://discourse.thelastforum.com/user_avatar/discourse.thelastforum.com/bears54/32/7_2.png) [@Bears54](https://discourse.thelastforum.com/u/Bears54)\ **Post date:** [November 3, 2026, 10:57pm UTC](https://discourse.thelastforum.com/t/ibonds/110712/5 "2026-11-03T22:57:36Z")

We have $10,000 face value of I bonds we bought in 2000 or 2001 that has a fixed rate of 3%, we’re holding those until they stop earning interest. In 2022 or 2023 with the adjustable rate they were paying close to 12%. My kid still has around $17,000 face value of I-bonds from when he was young, bought from 2000 to 2006. I checked a few years ago and they’re worth over $40,000, he’ll probably use that for a down payment when he’s ready to buy a home.