$10,000.00 I Bond Value — January 2025
A $10,000.00 I Bond issued in January 2025 is worth $10,552.00 today.
Current total value
$10,552.00
Redemption value (incl. penalty)
$10,440.00
Current composite rate
4.34%
Interest earned to date
$552.00
About this January 2025 I Bond
This Series I savings bond was issued in January 2025 and locked in a fixed rate of 1.20% for the life of the bond. It has earned interest for 1 year, 5 months, and its inflation component resets every six months. It is currently earning a composite rate of 4.34%.
Because this bond is less than five years old, redeeming it now forfeits the most recent three months of interest — a penalty of $112.00. Its redemption value today is $10,440.00.
Semiannual value table
Value of this $10,000.00 I Bond at the start of each six-month earning period since issue.
| Period start | Composite rate | Value | Value after penalty |
|---|---|---|---|
| January 2025 | 3.11% | $10,000.00 | $10,000.00 |
| July 2025 | 4.08% | $10,156.00 | $10,076.00 |
| January 2026 | 4.34% | $10,364.00 | $10,260.00 |
Other amounts for January 2025
Check your own numbers
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