Treasury bonds (T-bonds)

 Treasury bonds (T-bonds) are fixed-rate U.S. government debt securities with a maturity of 20 or 30 years. Treasury bonds is also known as T-bonds. T-bonds pay semiannual interest payments until maturity, at which point the face value of the bond is paid to the owner.

Four types of debt are Treasury bills, Treasury notes, Treasury bonds, Treasury Inflation-Protected Securities (TIPS).These securities vary by maturity and coupon payments.

T-bonds make interest payments semiannually, and the income received is only taxed at the federal level.

Treasury bonds are issued at monthly online auctions held directly by the U.S. Treasury. A bond's price 

and its yield are determined during the auction. After that, T-bonds are traded actively in the secondary 

market and can be purchased through a bank or broker. AND 

Individual investors often use T-bonds to keep a portion of their retirement savings risk-free, 

to provide a steady income in retirement, or to set aside savings for a child's education or other 

major expenses.

US SAVINGS BONDS ARE SIMPLE SAFE AFFORDABLE /

SIMPLE#

Buy once. Earn interest for up to 30 years.

SAFE#

Backed by the full faith and credit of the U.S. government.

AFFORDABLE#

Buy them for as little as $25

You can buy 2 types of U. S. savings bonds

EE Bonds

I Bonds

EE Bonds#

Guaranteed to double in value in 20 years

Earn a fixed rate of interest

Current Rate: 2.70%

For EE bonds issued in November 1, 2023 to April 30, 2024

Electronic only – keep them safe in your TreasuryDirect account

Buy for any amount from $25 up to $10,000.

Maximum purchase each calendar year: $10,000.

Can cash in after 1 year. (But if you cash before 5 years, you lose 3 months of interest.)

I Bonds

Protect against inflation. The interest rate on a particular I bond changes every 6 months, based on inflation.

Current Rate: 5.27%

This includes a fixed rate of 1.30%

For I bonds issued November 1, 2023 to April 30, 2024

Primarily electronic – keep them safe in your TreasuryDirect account (minimum amount $25)

You can choose to use all or part of your IRS tax refund to buy paper I bonds (minimum amount $50)

Bonds pay a fixed rate of interest every six months until they mature.

You can hold a bond until it matures or sell it before it matures.

Treasury Bonds are not the same as U.S. savings bonds

EE Bonds, I Bonds, and HH Bonds are U.S. savings bonds.