U.S. Savings Bonds via TreasuryDirect (Series EE and Series I)

Business Profile

Core Value Proposition

U.S. Savings Bonds via TreasuryDirect provides electronic U.S. Savings Bonds (Series EE and Series I) that are government-backed and purchasable, giftable, and redeemable online.

Target Customer

General public; financial professionals; state and local governments; banks/financial institutions; government users

Key Differentiator

Official U.S. government platform (.gov) for electronic savings bonds, offering two bond types (EE and I), real-time rate information, and online management of purchases, gifts, and redemptions.

Implementation Timeline

Account setup and electronic purchases can be done online; bonds earn interest over time with stated current rates; paper bonds require longer processing times; 1-year minimum holding period before redemption; 3 months of interest penalty if cashing I or EE bonds before 5 years. 1099 tax forms related information available by Jan 31, 2025.

Pain Points

1Processing delays for paper savings bonds and non-owner requests due to heavy volume (processing times noted for certain paper transactions).
2Complex ownership/registration options (owning bonds in a variety of names, including for children, trusts, or estates) which may be confusing for some users.
3Purchase and redemption constraints (annual purchase limits per bond type; minimum/maximum amounts; 1-year holding period; early redemption penalties before 5 years).

Key Features

1Electronic purchase and redemption of Series EE and Series I savings bonds (amounts from $25 to $10,000).
2Gifting options and ability to open linked accounts for children and manage ownership.
3Savings Bond Value Calculator and

Target Customer Industries

Client Results

1Earn interest on savings bonds over time with government backing.
2Bonds are backed by the full faith and credit of the U.S. government.
3Electronic management of purchases, gifts, and redemptions within TreasuryDirect.

Competitive Advantages

1Official government-backed platform (.gov) for Savings Bonds.
2Electronic-only transactions for savings bonds (no physical handling of new bonds).
3Low minimum purchase ($25) and annual per-type purchase limit ($10,000).
4Gifting options and the ability to link accounts for minors.
5Transparent rate information and online tools to value bonds.

Key Benefits

1Government-backed, safe investment

2Electronic purchase, gift, and redemption

3Low minimums and clear annual purchase limits

4Ownership customization (individual, child, trust, etc.)

5Rate information and bond value tools available online

Additional Product Information

Product Description

Official TreasuryDirect platform for buying, gifting, managing, and redeeming U.S. Savings Bonds (EE and I) electronically; bonds are government-backed with rate information and value calculators.

Target Market

General public; financial professionals; state and local governments; financial institutions; government users

Unique Value Proposition

The only official online channel to electronically buy and redeem U.S. Savings Bonds (EE and I) with government backing, transparent rates, and integrated ownership management for individuals, families, and institutions.

Technical Requirements

Open a TreasuryDirect account; ownership/registration must meet requirements (e.g., SSN, US citizen/resident or eligible civilian employee); electronic bonds keep them in TreasuryDirect; Payroll Savings Plan option existed but is being discontinued (as of Jan 31, 2025); access to current rates and value calculators via TreasuryDirect.

Pricing Model

There is no purchase price per se beyond the minimums; current rates are published (EE bonds 2.70% for May 1, 2025 – Oct 31, 2025; I bonds 3.98% including a fixed rate of 1.10% for May 1, 2025 – Oct 31, 2025). Maximum annual purchases: $10,000 per bond type per owner; electronic purchases from $25 to $10,000 per bond.

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