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Guaranteed Minimum Rates apply to savings notes, E bonds and EE bonds issued before May 1995. A bond’s Guaranteed Minimum Rate is established when the bond is issued and is subject to change at the beginning of each extended maturity period. These rates create the minimum value that a bond is worth at each interest accrual date. (On any interest accrual date, a bond may be worth more than its minimum value if its market-based rates create a higher value.)

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