How is the interest rate on EE U.S. savings bonds determined?

Effective May 1, 2005, the interest rate on new Series EE bonds is fixed for the life of the bond. Existing Series EE bonds purchased before May 1, 2005, were not affected and continue to earn interest based on 90% of the average market yield of five-year Treasury securities.

Series EE bonds have used this variable interest rate method of crediting interest since 1982. Interest rates on previously issued U.S. savings bonds will continue to change every six months on …

My late husband bought EE Bonds for each of four children; however, some of the four have more bonds than the others. How or where can I even this up without having to buy new bonds? Some of them are fairly close to maturity.

This depends on the names in which the EE U.S. savings bonds were issued. At the time of purchase, a bond can be registered to a single person (“single ownership”) or to two people (“co-ownership”), or it can be registered to a primary owner and a beneficiary (“beneficiary”). In the case of co-ownership, either named individual can do whatever he or she likes with the bond without consent of the other person; if one dies, the other becomes the single …