when do i bonds accrue interest
Bonds Issued before May 1997. For most bonds issued earlier than May 1, 1997, interest is added every six months. If you know the month and year when your bond was issued, the tables below will help you determine when interest is added to your bonds. It's a good idea to cash a bond in a month in which interest is added to its value. For example, interest is added to a bond with an issue date of February 1990 every August 1 and February 1.