New I-Bonds Estimated Rate: 3.11% APY (Variable + Fixed)

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(Update 10/31/24: Confirmed 3.11%ย  rate with 1.20% fixed and the rest variable; this is for November 2024 through April 2025.)
Weโ€™ve been reporting on the twice-per-year I Bond rate releases. The new rate for November 2024 through April 2025ย is slated to be 1.90%, based on inflation reports. Additionally, estimates/predictions areย that the fixed rate will be around 1.20% (or possibly a bit less). That gives a total rate of around 3.10% for 6 months.

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