how long do you have to hold i bonds?
Paper I bonds You must submit the paper bond to cash it. See Cash in (redeem) an EE or I savings bond. Can I cash it in before 30 years? You can cash in (redeem) your I bond after 12 months. However if you cash in the bond in less than 5 years you lose the last 3 months of interest. For example if you cash in the bond after 18 months you get the first 15 months of interest.