Savings Bonds for the Holidays?

Rising interest rates won’t affect savings bonds, which makes them a money-smart gift for a young child. Here’s our top pick.

Close up photograph of U.S. Savings Bonds, selective focus.
(Image credit: richcano)

Interest rates are rising, but savings bonds are missing the party. In October, a newly issued series EE bond offered a limp 0.1%, the same rate new bonds have carried since November 2015. The composite rate on a new I bond was 2.52%.

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Lisa Gerstner
Editor, Kiplinger Personal Finance magazine

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.