About — TreasuryDirect (2024)

About — TreasuryDirect (1)

TreasuryDirect.gov is the one and only place to buy and redeem U.S. savings bonds and other securities directly from the U.S. Treasury! Your investments are backed by the full faith and credit of the United States government.

What’s on this site?

TreasuryDirect.gov is divided into two parts:

Informational Website

At TreasuryDirect.gov, you can learn about U.S. Savings Bonds, and Treasury marketable securities like Treasury Bills, Bonds, Notes, and more. This site also contains a robust Research Center.

It's not just individuals buying bonds — financial institutions, government agencies, and even other countries purchase billions of dollars’ worth of U.S. securities every year.

Buying and Redeeming

When you're ready to buy or redeem your first savings bond or other security, you'll need to create a TreasuryDirect account. The process is similar to opening up a checking or savings account.

Once your account is open, and after you log in with your account number and password, then you can buy, redeem, and manage your investments.

Who is this site for?

About — TreasuryDirect (2)

Individuals

Anyone can use this site to learn about savings bonds and other investments available for purchase. To make a purchase and manage them, open a TreasuryDirect account.

TreasuryDirect accounts offer Series I and EE Savings Bonds, Treasury Bills, Notes, Bonds, Inflation-Protected Securities (TIPS), and Floating Rate Notes, all in electronic form, and all in one convenient account.

About — TreasuryDirect (3)

Financial Institutions

Banks and other financial institutions help the general public cash in their old paper savings bonds.

Investment houses and financial professionals use the TreasuryDirect.gov website to get information about Treasury marketable securities and the auction process, auction announcements, and auctions results. Institutional investors use the TAAPS program to buy Treasury marketable securities and manage large investments on behalf of their clients, company, or institutions.

About — TreasuryDirect (4)

Government Investors

FedInvest (the Federal Investments Program) provides investment services to about 250 Trust, Deposit and Special Funds. These investments represent more than 1/3 of the public debt outstanding.

With the SLGS program, securities are offered for sale to issuers of state and local government tax-exempt debt.

Watch our video about the TreasuryDirect.gov website

About — TreasuryDirect (5)

About — TreasuryDirect (2024)

FAQs

Is TreasuryDirect trustworthy? ›

About TreasuryDirect.gov

TreasuryDirect.gov is the one and only place to buy and redeem U.S. savings bonds and other securities directly from the U.S. Treasury! Your investments are backed by the full faith and credit of the United States government.

What are the disadvantages of TreasuryDirect? ›

Securities purchased through TreasuryDirect cannot be sold in the secondary market before they mature. This lack of liquidity could be a disadvantage for investors who may need to access their investment capital before the securities' maturity.

How does TreasuryDirect verify identity? ›

Security questions are used to help us confirm your identity if you forget your account number or password. As an added security measure, TreasuryDirect may require you to answer one of your security questions when you attempt to perform certain transactions.

What is the downside of Treasury I bonds? ›

Key Points. Pros: I bonds come with a high interest rate during inflationary periods, they're low-risk, and they help protect against inflation. Cons: Rates are variable, there's a lockup period and early withdrawal penalty, and there's a limit to how much you can invest.

Is TreasuryDirect run by the government? ›

Information dealing with the purchase, redemption, replacement, forms, and valuation of Treasury savings bonds and securities is located on the TreasuryDirect.gov website which is managed by the Bureau of the Fiscal Service.

Does TreasuryDirect charge fees? ›

TreasuryDirect is a web application from the U.S. Department of the Treasury. TreasuryDirect is free. There are no fees, no matter how much or how little you invest. You may hold both savings bonds and Treasury marketable securities in TreasuryDirect.

Should I buy from TreasuryDirect? ›

Treasury securities are considered a safe and secure investment option because the full faith and credit of the U.S. government guarantees that interest and principal payments will be paid on time.

Is it better to buy T-bills through TreasuryDirect or brokerage account? ›

There are several ways to buy Treasuries. For many people, TreasuryDirect is a good option; however, retirement savers and investors who already have brokerage accounts are often better off buying bonds on the secondary market or with exchange-traded funds (ETFs).

What is the downside of buying Treasuries? ›

Interest Rate Risk

When interest rates rise, the market value of debt securities tends to drop. This makes it difficult for the bond investor to sell a T-bond without losing on the investment.

How long does TreasuryDirect take to process? ›

Cashing a Series HH savings bond where you are named on the bond and you send it in requires at least 3 months of processing time. All other requests may require 6 months or more to process.

How much is a $100 savings bond worth after 30 years? ›

How to get the most value from your savings bonds
Face ValuePurchase Amount30-Year Value (Purchased May 1990)
$50 Bond$100$207.36
$100 Bond$200$414.72
$500 Bond$400$1,036.80
$1,000 Bond$800$2,073.60

How long does it take to get money from TreasuryDirect? ›

You just bought a security from the U.S. Treasury. Securities are generally issued to your account within two business days of the purchase date for savings bonds or within one week of the auction date for Bills, Notes, Bonds, FRNs, and TIPS.

What happens to I bonds if inflation goes down? ›

It can go up or down. I bonds protect you from inflation because when inflation increases, the combined rate increases. Because inflation can go up or down, we can have deflation (the opposite of inflation). Deflation can bring the combined rate down below the fixed rate (as long as the fixed rate itself is not zero).

Can you loss money on I bonds? ›

You can count on a Series I bond to hold its value; that is, the bond's redemption value will not decline. Question: What is the inflation rate? November 1 of each year. For example, the earnings rate announced on May 1 reflects an inflation rate from the previous October through March.

Can Treasury bonds lose value? ›

Here's how it works. Bonds and interest rates have an opposite relationship: bonds tend to lose value when interest rates rise. The risk with buying a Treasury bond of longer duration is that interest rates will increase during the bond's life, and your bond will be worth less on the market than new bonds being issued.

What is the safest treasury security? ›

A Treasury bill, or T-bill, is a short-term debt obligation backed by the U.S. Treasury Department. It's one of the safest places you can save your cash, as it's backed by the full faith and credit of the U.S. government. T-bills are auctioned off at a discount and then redeemed at maturity for the full amount.

How safe is it to invest in Treasury bonds? ›

U.S. Treasury bonds are fixed-income securities. They're considered low-risk investments and are generally risk-free when held to maturity. That's because Treasury bonds are issued with the full faith and credit of the federal government.

What is the 45 day rule for TreasuryDirect? ›

Customer service personnel will perform the transfer when the form is received and approved. You'll receive an e-mail confirming that activity has occurred in your account. TreasuryDirect requires Treasury Marketable Securities be held for 45 days following original issue before they may be externally transferred.

Top Articles
Latest Posts
Recommended Articles
Article information

Author: Jamar Nader

Last Updated:

Views: 5952

Rating: 4.4 / 5 (75 voted)

Reviews: 82% of readers found this page helpful

Author information

Name: Jamar Nader

Birthday: 1995-02-28

Address: Apt. 536 6162 Reichel Greens, Port Zackaryside, CT 22682-9804

Phone: +9958384818317

Job: IT Representative

Hobby: Scrapbooking, Hiking, Hunting, Kite flying, Blacksmithing, Video gaming, Foraging

Introduction: My name is Jamar Nader, I am a fine, shiny, colorful, bright, nice, perfect, curious person who loves writing and wants to share my knowledge and understanding with you.