After October 28, 2026, ID.me is the only way to sign in to TreasuryDirect online — your savings bonds stay safe, but online access waits until you verify, so set it up from treasurydirect.gov yourself with your Social Security number and photo ID. This explainer also breaks down the November 1 I Bond rate reset: the current 4.26% (0.90% fixed + 3.34% variable), the variable rate resetting to 4.08%, and the forecast fixed rate of 1.30%–1.40% that would make the new composite rate about 5.41%–5.51% (forecast only — the Treasury announces the official rate on November 1). Waiting until November could lock a higher fixed rate for 30 years: on $10,000, the 0.40% fixed-rate gap is $40 a year, up to $1,200 over 30 years. Follow US Money Guide for daily money tips!
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Educational content, not financial advice.
