Buying Savings Bonds For Grandchildren (2026 Edition)

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

: 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

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

: 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.

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

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.