Saving with U.S. Savings Bonds

Helping People Save - Ready.Save.Grow. is a U.S. Department of the Treasury initiative to help people save and take control of their future.

Setting money aside for the future is an important step toward reaching your long-term goals, whether that means saving for your child’s college education or preparing for a more comfortable retirement. Learn how convenient saving can be with Treasury securities.

Treasury savings options are:

  • Affordable. You don’t need a lot of money to save with Treasury savings options. You can purchase a savings bond for just $25 and other Treasury securities starting at $100.
  • Safe. You can safely buy and manage Treasury savings options online through the Treasury Department's secure TreasuryDirect web-based system.
  • Convenient. You can buy Treasury securities online, 24/7—no more waiting in line. You also can purchase savings bonds or other Treasury securities automatically through payroll direct deposit.

Get Ready to Save and Grow your savings and gain control over your future.

About Savings Bonds
Treasury Securities Options
Learn more about the Gift of Savings Bonds
How to Buy Digital Savings Bonds as Gifts (You Tube video)

Another great time to save with U.S. Savings Bonds is at Tax Time! U.S. Savings Bonds are one safe and easy way to do it.

There are a lot of great reasons to buy U.S. Savings Bonds at tax time.

  1. You do not need a lot to get started — start with as little as $50. Use just part of your tax refund to start saving.
  2. It is simple at tax time. Just select the amount you want saved from your income tax refund and you’ll receive your bond in the mail.
  3. Earn interest. Your money starts growing immediately.
  4. Bonds are safe. Bonds will never lose value and they are backed by the U.S. Government.
  5. No fees. There are no fees to buy or cash in your bond.
  6. Money for the future. You help your loved ones live their dreams when you buy bonds.
  7. Gift savings to your loved ones. Bonds can be purchased in someone else’s name – so you can help jumpstart the savings and dreams of the people you care about.

What are tax time bonds?
Tax Time Savings Bonds are Series I U.S. Savings Bonds. Issued and guaranteed by the U.S. Treasury Department, Tax Time Savings Bonds can be purchased directly on your tax form. You can cash in your bond after one year at most banks or credit unions, but the longer your keep it the more it will grow in value. Your bond will earn interest for up to 30 years. If you cash your bond within 5 years, you’ll lose the last three months of interest.

The current interest rate on Series I Savings Bonds is 3.1% through April 30, 2012, and will adjust for inflation every six months. Bonds offer competitive returns in comparison with other savings vehicles.*

Growth on your bonds is guaranteed! Bonds make saving safe, simple and secure.

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Pledge to Save

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Regular Savings is the Key to Success

My name is Chris Strong. I joined the Air Force on 25 March, 1985. On that day, my financial life changed forever. I was introduced to saving bonds in Basic Training. Savings bonds were the big thing back then just like the Thrift Savings Plan is today. A Colonel gave us a briefing. I cannot remember his name but I can remember the 100 savings bonds he had posted to a piece of card board. He gave us a speech on the importance of saving money and how it can change your life. He inspired me to save.

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Money on the Side

Camp Arifjan, Kuwait -- A colonel in the 1st Theater Sustainment Command has money on his mind.

Army Col. George Fields, the Chief of Intelligence, or G2, has been teaching a free "Managing Your Money" class here in his spare time. More than 400 students have attended his six week-long class to learn more about increasing their own finances.

"All I did was sit down and listen to a guy one day who showed me what he was doing" said the colonel as he explained how he became interested in what he calls, "becoming financially free."

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60 Teens participate in Massachusetts Youth Saves Program

During the months of June & July, 60 teenagers aged 13-19 from Marine, Coast Guard, Army, and Air Force families attended Youth Saves programs across the Commonwealth of Massachusetts to help increase their knowledge of financial literacy.

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