November 2025 I Bond Rate. Interest rate increase inhibits expected returns. I bond interest rates adjust every six months, and with the latest inflation reading now released, we can calculate what your next rate will be on existing bonds.
This consists of a fixed rate of 1.20% and a variable rate of 1.90%. The current i bond rate for bonds issues between november 1, 2024 and may 1, 2025 is 3.11%.