TreasuryDirect
TreasuryDirect is the official U.S. government web platform operated by the Bureau of the Fiscal Service that enables individuals and government entities to purchase, hold, and redeem U.S. Savings Bonds and marketable Treasury securities electronically at no cost.
- Company typePublic
- Founded2002
- HeadquartersMinneapolis, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What TreasuryDirect does
TreasuryDirect is the official U.S. government web platform operated by the Bureau of the Fiscal Service, an agency of the U.S. Department of the Treasury, that enables electronic purchase, holding, and redemption of U.S. Savings Bonds and marketable Treasury securities. Launched in 2002 and consolidated under the Bureau of the Fiscal Service in 2012, the platform is the exclusive electronic retail channel for Series EE and Series I Savings Bonds and also facilitates public auctions for Treasury Bills, Notes, Bonds, TIPS, Floating Rate Notes, and STRIPS. It serves individual retail investors, parents purchasing bonds on behalf of minors, financial institutions that redeem paper savings bonds, federal agencies (via FedInvest), and state and local government entities (via SLGSafe).
The platform is built around a web-based account management system accessed through TreasuryDirect.gov, where users create individual accounts, fund purchases via linked bank information, hold book-entry securities, and redeem them electronically. Supporting infrastructure includes the Savings Bond Calculator for paper-bond valuation, an Auction Query System covering auctions from July 1998 forward, an FRN Daily Index Database tied to 13-week Treasury bill discount rates, and a TIPS index system tied to the Bureau of Labor Statistics Consumer Price Index. Distribution is direct-to-consumer for individuals and routed through broker/dealer networks for institutional and STRIPS-related activity. Marketing is limited to official government channels: the TreasuryDirect.gov site, mailing lists, X, Facebook, YouTube, RSS feeds, and referring content on Treasury.gov and FiscalData Treasury.
TreasuryDirect does not have a commercial revenue model. The platform is a free public service with no transaction fees, no subscriptions, and no advertising; operating costs are absorbed into the federal budget of the Bureau of the Fiscal Service. There are no funding rounds, no private shareholders, no M&A activity, and no equity structure. Recent activity has been defensive and rationalizing rather than growth-oriented: the Payroll Savings Plan was discontinued on January 31, 2025, and the Treasury Hunt lost-bond search tool was retired on September 30, 2025 under SECURE Act 2.0, with users directed to state unclaimed property programs. As a federal program, TreasuryDirect is not an investible private entity.
TreasuryDirect firmographics
Firmographics- Name
- TreasuryDirect
- Legal name
- TreasuryDirect (operated by Bureau of the Fiscal Service, U.S. Department of the Treasury)
- Website
- https://treasurydirect.gov
- Company type
- Public
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- TreasuryDirect is the official U.S. government web platform operated by the Bureau of the Fiscal Service that enables individuals and government entities to purchase, hold, and redeem U.S. Savings Bonds and marketable Treasury securities electronically at no cost.
- Ownership category
- akta.pro rank
TreasuryDirect industry classification
Industry- Product category
- Treasury Securities Platform
- NAICS
- Public Finance Activities (921130), Other General Government Support (92119)
- SIC
- Finance Services (6199), Federal & Federally-Sponsored Credit Agencies (6111), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Treasury & Cash Management (BPAIAEAB)
- akta.pro secondary industries
- Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG), Corporate Cash Management & Treasury Services (FSAMAOAA)
Keywords
Where TreasuryDirect is headquartered
LocationHeadquarters
- HQ city
- Minneapolis
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
TreasuryDirect business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure
Revenue model
- Not applicable - Government Service: TreasuryDirect is a free government service operated by the Bureau of the Fiscal Service. It does not charge fees to individual users for purchasing or managing Treasury securities. The platform enables the U.S. government to issue and manage Treasury debt instruments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Savings Bonds - No cost to use platform |
| One time/ perpetual license | Pay-as-you-go | Treasury Bills - Sold at discount or par |
| One time/ perpetual license | Pay-as-you-go | Treasury Bonds - Fixed interest rate |
| One time/ perpetual license | Pay-as-you-go | Treasury Notes - Fixed interest rate |
| One time/ perpetual license | Pay-as-you-go | TIPS - Inflation-protected principal |
| One time/ perpetual license | Pay-as-you-go | Floating Rate Notes - Variable interest |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
TreasuryDirect product offering
Product offeringCore offering
TreasuryDirect is the official U.S. government website that enables individuals to electronically purchase, hold, and redeem U.S. Savings Bonds (Series EE and Series I) and Treasury marketable securities, including Treasury Bills, Notes, Bonds, TIPS, FRNs, and STRIPS. The platform also conducts public auctions for these securities and provides supporting tools such as a Savings Bond Calculator, Auction Query System, and dedicated portals (FedInvest, SLGSafe) for government entities. The service is operated by the Bureau of the Fiscal Service under the U.S. Department of the Treasury at no cost to users.
Product overview
TreasuryDirect is the official U.S. government electronic platform for purchasing and managing Treasury securities. It offers two primary product lines: U.S. Savings Bonds (Series EE and Series I) available directly to individual investors, and Treasury Marketable Securities including Bills, Notes, Bonds, TIPS, FRNs, and STRIPS offered through auction. The platform enables account creation, securities purchases, holding, and redemption through an integrated online account management system. Supporting tools include a Savings Bond Calculator for paper bonds, auction participation functionality, and dedicated portals for government users (FedInvest, SLGSafe). The Treasury Hunt search tool for unclaimed securities was retired in September 2025.
Differentiator
Problem solved
Functional benefit
Brands
- TreasuryDirect: The official U.S. government website for purchasing and managing U.S. Savings Bonds and Treasury marketable securities.
- Treasury Hunt
- FedInvest
- SLGSafe
Products and services
- U.S. Savings Bonds (Series EE and Series I) Electronic savings bonds purchased, held, and redeemed through TreasuryDirect for U.S. citizens and residents. Series EE bonds earn a fixed interest rate guaranteed to double in 20 years; Series I bonds earn variable rates adjusted for inflation every six months. Annual purchase limit is $10,000 per bond type per owner.
- Treasury Bills Short-term marketable securities with maturities from 4 to 52 weeks, sold at discount or at face value with interest paid at maturity. Minimum purchase $100 in $100 increments; maximum $10 million non-competitive bid per auction.
- Treasury Notes Marketable securities issued at auction with maturities of 2, 3, 5, 7, and 10 years, paying fixed interest every six months until maturity.
- Treasury Bonds Marketable securities with terms of 20 or 30 years, issued at auction and paying fixed interest every six months until maturity.
- Treasury Inflation-Protected Securities (TIPS) Marketable securities whose principal adjusts based on changes in the Consumer Price Index, providing protection against inflation. Issued in 5, 10, and 30-year terms with interest paid every six months.
- Floating Rate Notes (FRNs) Short-term investments maturing in two years with interest rates that fluctuate based on 13-week Treasury bill discount rates. Maximum purchase $10 million non-competitive bid per auction; interest paid quarterly.
- STRIPS (Separate Trading of Registered Interest and Principal of Securities) Investment product that allows the principal and interest payments of Treasury securities to be traded as separate zero-coupon securities. Available only through financial institutions, brokers, or dealers.
- Savings Bond Calculator Online calculator for determining current, past, and future values of paper Series EE, E, and I savings bonds and Savings Notes, including interest rates and maturity dates.
- Government Users Portal (FedInvest, SLGSafe) Dedicated portals for federal, state, and local government entities, including FedInvest for the Federal Investments Program and SLGSafe for State and Local Government Series securities, plus supporting services for security liquidation, federal borrowings, and funds management program reports.
Companies that use TreasuryDirect
Customer profileSegments4 records
Ideal customer profiles2 records
TreasuryDirect technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
TreasuryDirect partnerships and signals
Strategic signalScale indicators4 records
Recent moves4 records
Expansion highlights2 records
TreasuryDirect competitors and assessment
Company assessmentEmerging players
- Marcus by Goldman Sachs: Goldman Sachs' consumer banking arm offering high-yield savings products as alternatives to Treasury securities. Comparable as a competing destination for retail savings dollars that might otherwise be directed to I-bonds or EE-bonds through TreasuryDirect.
- Public.com: Mobile-first retail investing platform offering Treasury bills and other fixed-income products to retail investors. Comparable as a digitally native, consumer-experience-focused alternative to TreasuryDirect's web-based platform.
- Wealthfront: Automated investing and cash management platform that has offered Treasury-based cash products to retail users. Comparable as a fintech destination for retail savers seeking low-risk, government-exposed cash alternatives to TreasuryDirect.
- Robinhood: Mobile retail brokerage that has expanded into Treasury offerings for retail customers. Comparable as a modern UX-focused competitor targeting the same retail-investor demographic as TreasuryDirect's savings bond product.
- Ally Bank: Online bank offering competitive savings and CD products to retail savers. Comparable as a competing retail savings vehicle for the same conservative-investor demographic that purchases Series EE and I savings bonds.
Direct peers
- TreasuryDirect Auction System (Institutional): The institutional auction and broker-dealer access pathway within TreasuryDirect's own platform for competitive bids and large trades. Comparable because it is the same operating entity handling Treasury issuance, but represents the wholesale/institutional counterpart to the retail portal.
- Interactive Brokers: Discount brokerage offering direct retail access to Treasury auctions and Treasury secondary-market trading at low cost. Comparable as a direct, low-fee alternative to TreasuryDirect for self-directed retail and professional Treasury buyers.
Broad incumbents
- Fidelity Investments: One of the largest U.S. brokerages offering retail and institutional access to U.S. Treasury securities (Bills, Notes, Bonds, TIPS, FRNs) through brokerage accounts. Comparable as an alternative distribution channel for the same underlying Treasury products that TreasuryDirect sells directly.
- Vanguard: Large low-cost broker and asset manager offering direct retail access to newly issued Treasury securities. Comparable as a low-fee distribution competitor for retail Treasury purchases, though Vanguard does not issue the underlying securities.
- Charles Schwab: Major U.S. retail brokerage providing access to new Treasury issuances and secondary-market Treasury trading. Comparable as a fee-based alternative channel for retail investors seeking Treasuries outside the government platform.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
TreasuryDirect social profiles
Digital presenceTreasuryDirect financial estimates
Financial estimateRevenue estimate
Valuation estimate
TreasuryDirect leadership team
Management profileNumber of profiles
TreasuryDirect funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TreasuryDirect M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TreasuryDirect
What does TreasuryDirect do?
TreasuryDirect is the official U.S. government website that enables individuals to electronically purchase, hold, and redeem U.S. Savings Bonds (Series EE and Series I) and Treasury marketable securities, including Treasury Bills, Notes, Bonds, TIPS, FRNs, and STRIPS. The platform also conducts public auctions for these securities and provides supporting tools such as a Savings Bond Calculator, Auction Query System, and dedicated portals (FedInvest, SLGSafe) for government entities. The service is operated by the Bureau of the Fiscal Service under the U.S. Department of the Treasury at no cost to users.
Is TreasuryDirect a public or private company?
TreasuryDirect is a public company. It is classified as state government owned and is currently operating.
When was TreasuryDirect founded?
TreasuryDirect was founded in 2002. It employs 1 to 10 people.
Where is TreasuryDirect based?
TreasuryDirect is headquartered in Minneapolis, United States, in the North America region.
How does TreasuryDirect make money?
One revenue line is on record: not applicable - Government Service.
Who are TreasuryDirect's main competitors?
Emerging players on record are Marcus by Goldman Sachs, Public.com, Wealthfront, Robinhood and Ally Bank. Direct peers are TreasuryDirect Auction System (Institutional) and Interactive Brokers. Broad incumbents are Fidelity Investments, Vanguard and Charles Schwab.
Does TreasuryDirect have an API?
No public API is recorded for TreasuryDirect.
What industry is TreasuryDirect in?
TreasuryDirect's product category is Treasury Securities Platform. Its primary akta.pro industry code is BPAIAEAB, Treasury & Cash Management, with a secondary code of FSAGAAAG, Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration). Its NAICS code is 921130 and its SIC code is 6199.