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.

: 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.

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

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

: For children under 18, a parent or adult custodian must set up a minor-linked account within their own primary TreasuryDirect account to receive the bond. Choosing Between Series EE and Series I Both series earn interest for up to 30

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

: You can buy between $25 and $10,000 per series, per person, in a single calendar year. You will also need your grandchild's Social Security

: You must hold a gift bond in your own account for at least five business days before you can deliver it to the recipient's account.