How is a U.S. Savings Bond typically purchased?

A U.S. Savings Bond is typically purchased at half its face value, meaning that the buyer pays a lower initial price and the bond will appreciate to its full face value over a specified period of time. This structure is designed to encourage savings, as it allows individuals to invest a smaller amount upfront and eventually receive a larger payout when the bond matures. The bonds accrue interest over the years and the holder can redeem them for the full amount after they reach maturity, typically 20 years.

This method of purchasing is appealing because it provides a guaranteed return and is backed by the U.S. government, making it a low-risk investment. It's also worth noting that U.S. Savings Bonds are not transferrable for commodities like silver or gold, nor are they limited to purchase solely through private financial institutions – they can also be acquired directly through government platforms like TreasuryDirect. Overall, the unique structure of purchasing these bonds and their growth potential makes option B the correct choice.