Greetings. I have owned I bonds for years and recently helped my Mom buy some for the first time. The effective date of the $10,000 purchase was 9/1/2021 and now her Treasury Direct account shows accumulation of $60 over the past 5 months. The interest rate is 3.54%. My Mom asked why such little interest has been accumulated and after searching the web in vain for an answer, I come here hoping someone can explain this. With a rate of 3.54% compounded monthly, I would expect something approaching $150 in interest. Thanks in advance for any clarity you can bring to this.