My mom found a bunch of savings bonds that I had been given when I was younger- from 1 to 3 years old (I'm now 24). Using the Savings Bond Calculator on the Treasury website- they are together worth about $655. It gives the interest rate and when each stops accruing interest- which is around 2012 to 2015. In 2000, they were earning anywhere from 4% to 6% interest. Today they are all earning 4%, while one is earning 3.47%. With inflation and the fact that ING is giving 4.35% now (more than any are currently making), should I cash these in and just put them into my ING savings account? I'm wondering if the interest rates just go down or if they fluctuate over the years. If they went up significantly I'd be inclined to hold on to them, if they would stay about the same I'd rather be accruing interest in ING. I don't NEED the money right now, I'm just wondering which would be more profitable? (And a side note- no, I wouldn't just go out and spend the $$, I don't touch any of the savings in my ING because it's more of an emergency fund that I'm working at building up). TIA!