: You must have a Social Security number and be a U.S. citizen, a U.S. resident, or a civilian employee of the U.S. government.

: You must establish a personalized account on the TreasuryDirect registration page.

: The rate is a combination of a fixed rate and a variable inflation rate that resets every May 1 and November 1 .

: You will need your bank's routing and account numbers to link for electronic funds transfers. 2. Step-by-Step Purchase Process