TreasuryDirect is our online system where you can buy and manage:
The system is available 24 hours a day, seven days a week.
Individuals and certain entities can open an account in TreasuryDirect. There’s no charge to open an account or to manage your securities. The only money you pay is for the securities you buy—and we don’t add a fee to that.
Minimum purchase amounts:
- Savings bonds: $25
- Other securities: $100
We make payments to the bank account of your choice.
You fund your TreasuryDirect account through your bank account or by payroll deduction.
Securities you buy in TreasuryDirect are electronic, not paper. If you hold savings bonds in paper form, you can convert them to electronic securities in TreasuryDirect.
To sample TreasuryDirect, take a guided tour:
FAQs
About TreasuryDirect.gov
TreasuryDirect.gov is the one and only place to buy and redeem U.S. savings bonds and other securities directly from the U.S. Treasury! Your investments are backed by the full faith and credit of the United States government.
How much is a $1000 savings bond worth after 30 years? ›
How to get the most value from your savings bonds
| Face Value | Purchase Amount | 30-Year Value (Purchased May 1990) |
|---|
| $50 Bond | $100 | $207.36 |
| $100 Bond | $200 | $414.72 |
| $500 Bond | $400 | $1,036.80 |
| $1,000 Bond | $800 | $2,073.60 |
May 7, 2024
Information dealing with the purchase, redemption, replacement, forms, and valuation of Treasury savings bonds and securities is located on the TreasuryDirect.gov website which is managed by the Bureau of the Fiscal Service.
What is the current rate for TreasuryDirect I bonds? ›
The composite rate for I bonds issued from May 2024 through October 2024 is 4.28%.
What are the disadvantages of TreasuryDirect? ›
Securities purchased through TreasuryDirect cannot be sold in the secondary market before they mature. This lack of liquidity could be a disadvantage for investors who may need to access their investment capital before the securities' maturity.
Is my money safe at TreasuryDirect? ›
Treasury securities are considered a safe and secure investment option because the full faith and credit of the U.S. government guarantees that interest and principal payments will be paid on time.
Is there a fee for TreasuryDirect? ›
TreasuryDirect is free. There are no fees, no matter how much or how little you invest.
What is the 45 day rule for TreasuryDirect? ›
Customer service personnel will perform the transfer when the form is received and approved. You'll receive an e-mail confirming that activity has occurred in your account. TreasuryDirect requires Treasury Marketable Securities be held for 45 days following original issue before they may be externally transferred.
How long does it take to get money from TreasuryDirect? ›
You just bought a security from the U.S. Treasury. Securities are generally issued to your account within two business days of the purchase date for savings bonds or within one week of the auction date for Bills, Notes, Bonds, FRNs, and TIPS.
Is there a downside to I bond? ›
The cons of investing in I-bonds
There's actually a limit on how much you can invest in I-bonds per year. The annual maximum in purchases is $10,000 worth of electronic I-bonds, although in some cases, you may be able to purchase an additional $5,000 worth of paper I-bonds using your tax refund.
Interest earned on I bonds is exempt from state and local tax but subject to federal tax. The interest is taxed in the year the bond is redeemed or reaches maturity, whichever comes first.
Can I buy $10,000 worth of I bonds every year? ›
Can I buy I bonds every calendar year? Yes, you can purchase up to $10,000 in electronic I bonds each calendar year. You can also buy an additional $5,000 in paper I bonds using your federal tax return.
Does TreasuryDirect charge fees? ›
Buying Treasury securities through TreasuryDirect costs you nothing—except, of course, the cost of the security. We charge no purchase fee or commission.
What is the downside of Treasury I bonds? ›
Cons of Buying I Bonds
Potential disadvantages include: Maximum investment each year is $10,000. Yield is taxed as ordinary income. Must open a TreasuryDirect account to buy and sell.
Is TreasuryDirect worth it? ›
If you're looking for a safe place to park your cash, you may want to consider T-bills or other government securities. Since your return will be lower than the return of riskier fixed-income and equity investments, using TreasuryDirect is smart, since it cuts out the middleman — and eliminates any commissions and fees.
