U.S. Savings Bonds Series EE or Series I

Getting What You Want Out of Life Doesn’t Have to Mean Putting Your Hard-Earned Money at Risk

U.S. Savings Bonds offer a safe, easy way to save money while making a solid addition to your investment portfolio.  In fact, millions of Americans take advantage of savings bonds' competitive rates. Whether you choose Treasury's I Bond or Series EE Bond, your money grows and — best of all — stays safe into the future.

A Great Investment for Everyone

U.S. Savings Bonds are reliable, low-risk government-backed savings products that you can use toward financing education, supplemental retirement income, birthday and graduation gifts, and other special events.  See the Treasury’s Planning and Giving guide from TreasuryDirect.

Why Should You Invest in U.S. Savings Bonds?

• Competitive - U.S. Savings Bonds offer competitive rates that compare favorably with other forms of saving.  Interest accrues monthly and compounds semiannually.
• Convenient - Buy bonds through Community First Bank, where you work or online through TreasuryDirect.  
• Safe - Savings bonds are backed by the full faith and credit of the United States.  Your paper bonds are registered, so the Treasury can replace them if they're lost, mutilated, or stolen.  Bonds bought electronically through TreasuryDirect are safely maintained in your account with the U.S. Treasury.
• Accessible – Savings Bonds are easily redeemable.  Need your money quickly or unexpectedly?  It's right there for you.  Although the longer you let your bonds grow, the more you benefit.  Still, you can redeem them anytime after 12 months.  (3-month loss of interest if redeemed before 5 years.)
• Tax Benefits - Interest is exempt from state and local income taxes.  Federal income tax can be deferred until your bonds mature or you redeem them, whichever is first.  Using savings bonds to pay for some education expenses may offer additional federal tax benefits if all conditions are met.
• Affordable - Save with as little as $25 or as much as $5,000 of each series (EE and I) each year.
  

I or EE Bonds?

Series EE Bonds

1. Sold in paper at one half face value in standard denominations. (Paper bonds are available in these denominations: $50 $75 $100 $200 $500 $1,000 $5,000 $10,000.)
2. Sold electronically at face value in any amount.
3. Series EE Bonds earn fixed rates of interest for the life of the bonds.
4. Fixed rates announced May 1 and November 1.

Series I Bonds

1. Sold in paper at full value in standard denominations. (Paper bonds are available in these denominations: $50 $75 $100 $200 $500 $1,000 $5,000 $10,000.)
2. Sold electronically at face value in any amount.
3. Series I Bonds offer real rates of return over and above inflation.
4. New rates announced May 1 and November 1.  This adjustment ensures you’re earning over and above inflation.

For more information on U.S. Savings Bonds visit TreasuryDirect or call Community First Bank (618) 234-9500.  We look forward to being of service to you!