Learn how to use your TreasuryDirect account to manage US Treasury I Bonds and savings.
This website is an independent educational resource that helps individuals learn how to use TreasuryDirect — the official U.S. Department of the Treasury website for purchasing and managing government savings bonds, including I Bonds and EE Bonds.
TreasuryDirect is a secure platform that allows users to buy, redeem, and manage various Treasury securities online. Whether you're interested in long-term investments or protecting your money from inflation, U.S. I Bonds provide a safe and inflation-adjusted return backed by the federal government.
Many people are unaware of the benefits of using TreasuryDirect or how simple it is to get started. That’s why we created this guide — to make financial tools more accessible to everyday Americans. Here you’ll find explanations of account creation, how I Bonds work, how to access your TreasuryDirect account, and how to avoid common mistakes.
Our goal is to provide clear, honest, and practical information. This site is not affiliated with the U.S. government, but all data and tips are based on publicly available resources and official documentation.
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If you're wondering whether now is a good time to buy I Bonds — you're not alone. We track key updates from TreasuryDirect and provide tips on evaluating the pros and cons of investing in government bonds versus other low-risk options.
We believe financial literacy starts with awareness. TreasuryDirect is one of the most underused financial tools in the U.S., and we want to change that.
Learn how to create your TreasuryDirect account, understand the basics of U.S. I Bonds, and explore safe investment opportunities backed by the U.S. Treasury.
TreasuryDirect is an official government website operated by the U.S. Department of the Treasury. It provides individuals with a secure and direct way to purchase and manage government securities, including Series I Bonds and EE Bonds. By opening a TreasuryDirect account, investors can take advantage of a low-risk, inflation-protected investment platform that is entirely online.
The TreasuryDirect platform has become increasingly popular among Americans looking to diversify their savings with options backed by the federal government. Users can log in to their TreasuryDirect account anytime to view balances, buy additional securities, or redeem matured bonds.
One of the most compelling reasons to use TreasuryDirect is its direct connection to the U.S. Treasury, ensuring the security and authenticity of all transactions. TreasuryDirect accounts are free to open and manage, making it a cost-effective investment tool for all income levels.
Additionally, TreasuryDirect I Bonds are designed to protect your money from inflation. The interest rate is composed of a fixed rate and an inflation rate that adjusts every six months. As inflation rises, so does the yield on I Bonds, offering a unique advantage over traditional savings accounts.
Through your TreasuryDirect account, you can buy I Bonds in electronic form with as little as $25. These bonds earn interest monthly and compound semiannually. You must hold I Bonds for at least one year, and if redeemed within five years, you forfeit the last three months of interest as a penalty.
I Bonds are ideal for building long-term savings, whether you're planning for college, retirement, or emergency reserves. Because they are backed by the U.S. government, they carry minimal default risk.
If you’re locked out of your account or forgot your password, TreasuryDirect provides recovery tools, but they may involve mailing signed forms or calling support. Make sure to keep your email and bank info updated. For technical issues, the Help Center is an excellent resource.
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Explore our guides or head directly to TreasuryDirect to begin managing your savings bonds.
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This site is for informational purposes only and is not affiliated with the U.S. Treasury.