US Treasury Direct - I Bonds Review
US Treasury Direct - I Bonds pays 3.11% APY on this savings product as of June 2026. Your deposits are FDIC-insured up to $250,000.
Overview
US Treasury Direct - I Bonds is a U.S. Treasury option currently paying 3.11% APY. Composite rate, no state tax..
Deposits at US Treasury Direct - I Bonds are insured by the FDIC (or NCUA for credit unions) up to $250,000 per depositor, per ownership category. This is the same federal protection offered by traditional brick-and-mortar banks.
Compare US Treasury Direct - I Bonds against other top picks below to make sure you're getting the best yield for your situation as of June 2026.
Pros
- +Competitive 3.11% APY
- +Federally insured deposits
- +No monthly maintenance fee
Cons
- −Requires $25 minimum deposit
- −APY is variable and not guaranteed
- −Online-only experience
How it compares
How we review
We review savings & cds using verified rate data and lender disclosures. Rankings prioritize rate, fees, terms, and institutional safety — not affiliate payout. Read the full methodology.