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How Do Savings Bonds Work?

Learn how to use savings bonds for low-risk earnings.

By Catherine Brock – Updated Oct 17, 2024 at 4:39PM

Key Points

  • U.S. savings bonds are low-risk, low-yield assets backed by the U.S. government.
  • Savings bonds accrue interest for 30 years or until they are redeemed. Redemption is available after 12 months.
  • You can manage electronic savings bonds online using the TreasuryDirect website.
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