[Crowbob]

W/ ibonds you earn zero interest of what you withdraw before 12 Mo. I’m not sure if you even can w/draw prior to 12 mos. You lose the last 3 months of interest on w/drawals prior to 5 years, after 5 years there is no penalty on any amount.

$10k per calendar year. In addition, you can have your tax refund deposited electronically so the max can actually be over $10k up to $15k, I think.

No minimum, IIRC.

The rate is calculated in accordance with inflation quarterly or halfly, I don’t remember which exactly.

Treasury direct is easy to work with and allows automatic deposits to whatever bank acct yourchoose. You can also set up automatic purchases.

Since it looks like inflation is here to stay, I’d suggest maxing out if you can afford tying up your cash savings on hand for 12 months.