As of May 1, 2025, Series I Savings Bonds offer a composite annual rate of 3.98%, combining a 1.1% fixed rate and a 2.86% variable rate that adjusts with inflation. This rate presents a more appealing alternative for savers—especially retirees—compared to traditional savings accounts at large banks, which currently offer under 1% interest. I Bonds provide the dual benefits of inflatio... https://www.federalpensionadvisors.com/post/i-bond-rates-prediction-2025