I系列储蓄债券新综合利率5.51%：固定利率1.40%创2006年11月以来最高
美国财政部10月30日经TreasuryDirect宣布，2026年11月1日至2027年4月30日期间发行的Series I储蓄债券，起始综合年利率为5.51%，适用于发行后的头六个月。
这一利率由两部分合成：固定利率1.40%，为2006年11月以来最高，该部分在债券存续期内不变；半年通胀利率2.04%，每半年随物价指数调整一次。上一发行窗口的起始综合利率为4.26%，其中固定利率为0.90%。
I系列债券只能通过TreasuryDirect以电子形式购买，25美元起购，可按美分增额，每人每年购买上限为10,000美元。
持有规则方面，债券满12个月后才可兑付；持有不满5年兑付的，将扣掉最后3个月的利息。利息须缴联邦所得税，但免州税与地方税。
财政部每年5月1日与11月1日公布I系列债券新利率，下一轮调整定于2027年5月1日。
（来源：美国财政部TreasuryDirect）
New Series I Savings Bond Rate Is 5.51%: Fixed Rate of 1.40% Is the Highest Since November 2006
The U.S. Treasury announced on October 30 through TreasuryDirect that Series I savings bonds issued from November 1, 2026, through April 30, 2027, start with a composite annual rate of 5.51 percent, which applies to the first six months after issue.
The rate combines two parts: a fixed rate of 1.40 percent, the highest since November 2006, which stays with each bond for its entire life, and a semiannual inflation rate of 2.04 percent, which resets every six months with the price index. The previous issue window opened at a 4.26 percent composite rate, including a 0.90 percent fixed rate.
Series I bonds are sold only electronically through TreasuryDirect, starting at $25 and in penny increments above that, with an annual purchase limit of $10,000 per person.
On holding rules, a bond cannot be cashed in during its first 12 months, and cashing in before five years costs the last three months of interest. The interest is subject to federal income tax but exempt from state and local taxes.
The Treasury sets new Series I rates every May 1 and November 1; the next reset is due May 1, 2027.
(Source: U.S. Treasury, TreasuryDirect)
来源：美国财政部TreasuryDirect
发布：GSM·美国（发布链接）
图片来源：美国财政部大楼（资料图）。MeanieHyaena 摄，CC BY 4.0，经 Wikimedia Commons。 / The U.S. Treasury Building (file photo). Photo by MeanieHyaena, CC BY 4.0, via Wikimedia Commons.
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