Buying Savings Bonds For Grandchildren May 2026

Both series earn interest for up to 30 years and can be cashed after one year, though cashing before five years results in a penalty of the last three months of interest. Series EE Bonds Series I Bonds Fixed rate throughout the life of the bond.

Specifically designed to protect against rising costs. Format Available only in electronic form .

: Both you and the recipient (or their parent/guardian) must have a TreasuryDirect account . You will also need your grandchild's Social Security Number (SSN) to register the bond in their name. buying savings bonds for grandchildren

Available electronically; paper I bonds can also be purchased specifically using an . Key Considerations Giving savings bonds as gifts - TreasuryDirect

: You can buy between $25 and $10,000 per series, per person, in a single calendar year. Both series earn interest for up to 30

You can purchase electronic savings bonds directly through the U.S. Treasury's official site, TreasuryDirect .

Combined fixed rate and a variable rate that adjusts for inflation every six months. Guaranteed to double in value if held for 20 years. Format Available only in electronic form

Buying U.S. savings bonds for grandchildren is a low-risk, government-backed way to build their long-term financial security. Two primary types are currently available: , which are guaranteed to double in value after 20 years, and Series I , which provide protection against inflation. Buying and Gifting Process