103,064,737 matured savings bonds had not been cashed on September 30, 2026, according to Fiscal Data, and since September 30, 2025 no public tool lets anyone search Treasury's records of these unclaimed savings bonds by name.
Fiscal Data is the Treasury's public statistics site, and its count covers every series sold since 1935. Four in five of the bonds are Series EE.
These US savings bonds stopped earning interest at final maturity, but they never expire. Owners and heirs claim them free from Treasury, or from a state that physically holds the paper bond.
The right route depends on one question: where the paper bond is now. ClaimMyBonds is a private, independent site, not Treasury, TreasuryDirect, a state or Treasury Hunt. Our guide to US savings bonds explains what they are and how claims work.
How Many Unclaimed Savings Bonds Are Outstanding?
Fiscal Data counted 103,064,737 matured, unredeemed savings bonds of all series on September 30, 2026: 82,673,787 Series EE, 19,751,346 Series E and 639,604 from all other series. The table below splits the total by series and shows whether each series still earns interest in November 2026.
| Series | Issued | Matured, unredeemed (September 30, 2026) | Earning status, November 2026 |
|---|---|---|---|
| Series EE | January 1980 to December 2011 (paper) | 82,673,787 | Issues to November 1996 stopped; later issues earn (note 1) |
| Series E | May 1941 to June 1980 | 19,751,346 | All stopped by June 2010 |
| Series HH | January 1980 to August 2004 | 454,377 | All stopped by August 2024 |
| Savings Notes | May 1967 to October 1970 | 134,218 | All stopped (May 1997 to October 2000) |
| Series H | June 1952 to December 1979 | 26,680 | All stopped by December 2009 |
| Series F, G, J and K | 1941 to April 1957 | F 9,092; G 5,519; J 1,767; K 96 | All stopped |
| Series A, B, C and D | March 1935 to April 1941 | 7,855 | All stopped |
| Series I | From September 1998 | 0 | All earn; first final maturity September 2028 |
| All series | 103,064,737 |
Matured savings bonds not yet cashed, by series, on September 30, 2026. Source: Bureau of the Fiscal Service, Fiscal Data, U.S. Treasury Savings Bonds: Issues, Redemptions, and Maturities by Series (piece counts; no dollar values).
Note 1: Series EE bonds issued in December 1996 stop earning interest on December 1, 2026 (31 CFR 351.5).
Series EE makes up 80.2% of the count and Series E 19.2%. Patriot Bonds are Series EE and World War II war bonds are Series E, so they are in those counts. No Series I bond has matured yet, because the first I bonds, issued in September 1998, reach final maturity in September 2028.
What "Matured, Unredeemed" Means for a Savings Bond
A matured, unredeemed savings bond has reached final maturity, stopped earning interest and has not been cashed.
Final maturity is the date a bond stops earning interest for good: 30 years after the issue date for Series EE (31 CFR 351.5), and 40 years (issues to November 1965) or 30 years (later issues) for Series E (31 CFR 316.8(b)).
The Bureau of the Fiscal Service calls the bonds in this group matured unredeemed debt, or MUD, in its 2023 Report to Congress.
Federal law does not treat these bonds as abandoned. In Treasurer of New Jersey v. Treasury, 684 F.3d 382 (3d Cir. June 27, 2012), the Third Circuit held that matured bonds are not abandoned or unclaimed under federal law, because owners may redeem them at any time after maturity.
Executive Order 13968 (85 FR 83745) states that there is no deadline to redeem them. "Unclaimed" is the searcher's word; the regulations say matured and unredeemed. To learn whether a family bond has matured, compare its issue date with the rules on when savings bonds mature and stop earning interest.
Why This Page Gives a Bond Count and No Dollar Total
This page states a bond count and no dollar total because Fiscal Data's savings bonds report counts pieces, not dollars. A piece is one bond, whatever its face value, the amount printed on the bond.
The report lists, for each series and record date, the number of bonds issued, the number redeemed and the number matured but unredeemed. Neither the report nor Fiscal Data's matured unredeemed debt table carries dollar values.
Dollar totals that appear in news coverage do not come from this report, so this page does not repeat them. Our calculator, built on Treasury's published value files, prices one bond at a time.
Why No Name Search Exists for Unclaimed Savings Bonds
No public name search of Treasury's records for unclaimed savings bonds exists: Treasury closed its search tool on September 30, 2025, and states may not publish the records Treasury shares with them. Four rules explain the gap.
Treasury's Search Tool Closed on September 30, 2025
Treasury Hunt, Treasury's free search for matured savings bonds, has not been available since September 30, 2025. TreasuryDirect's notice reads: "As of September 30, 2025, the Treasury Hunt® tool is no longer available." TreasuryDirect is Treasury's website for savings bonds and electronic bond accounts.
Treasury launched Treasury Hunt on February 5, 2001, according to the TreasuryDirect timeline. The closing notice gives a date and no reason.
No online replacement exists: owners and heirs who cannot find a bond now file a claim on FS Form 1048. Our explainer on why Treasury Hunt is closed covers what the tool did and what owners can use instead.
States Receive Names and Addresses Only to Locate Owners
Under 31 CFR 323.11, Treasury shares only names and addresses, and only with a state that signs an information-sharing agreement. The rule was published at 89 FR 102735 on December 18, 2024. It covers the owners, co-owners and beneficiaries of bonds more than 3 years past final maturity.
The rule sets 3 limits in 31 CFR 323.11(c)(1) to (3). A state may use the records only to locate the owner. It may never use them to escheat the bonds, meaning to take title to them.
It may not release them to the public or any third party without Treasury's advance written approval. The records carry no Social Security numbers, denominations or serial numbers, so a state cannot tell what the bonds are worth.
The law behind the rule is 31 U.S.C. 3105(f), added by section 122 of the SECURE 2.0 Act (Pub. L. 117-328, December 29, 2022). The statute requires data sharing with states and says nothing about Treasury Hunt.
A Privacy Act routine use, the published notice that lets Treasury disclose these records to states, applies from June 10, 2026 (91 FR 25777).
No state is publicly known to have signed an agreement as of November 11, 2026. In short, names and addresses are what states can receive from Treasury, and only to locate owners.
Bond Records Are Released Only to Owners and Their Survivors
Treasury's savings bond records are ordinarily disclosed only to the owners, their executors, administrators or other legal representatives, or their survivors. That is the rule in 31 CFR 323.2(b), and certain government agencies, trustees in bankruptcy, receivers and courts are the only other exceptions. No member of the public can browse them.
Records from October 1957 onward are digitized and cover 97% of matured unredeemed bonds. Records from 1935 to September 1957, the other 3%, had not been digitized as of March 11, 2025, according to Treasury's 2024 Report to Congress.
Social Security numbers became a requirement only for bonds issued on or after January 1, 1974 (31 CFR 316.2(c)(1)). Bonds issued before 1974 made up 11.9% of matured unredeemed bonds on April 30, 2021, according to Treasury's report under Executive Order 13968.
Websites That Promise a Savings Bond Name Search
A website that offers to search unclaimed savings bonds by name cannot see Treasury's records, which Treasury discloses only to owners and survivors and states may not publish. No primary source shows federal bond records in any state's public unclaimed property database.
Treasury pays a savings bond only to the registered owner or another person entitled to it (31 CFR 315.39(b), 353.39(b), 360.39(b)). Savings bonds are not transferable (31 CFR 315.15, 353.15, 360.15), so no finder, buyer or recovery service can be paid from your bond.
TreasuryDirect states: "we charge no fees, nor do we offer gifts for working with our office." That payment rule is the key fact to weigh against savings bond recovery services and their fees.
How Owners Claim Unclaimed Savings Bonds: 4 Situations
Owners claim unclaimed savings bonds through 4 free routes, chosen by one question: where is the paper bond now? Treasury charges no fee on any of them, and every Treasury form is free from TreasuryDirect. The table below matches each situation to its route, form and cost.
| Where the bond is | Route and form | Cost | Guide |
|---|---|---|---|
| You hold the paper bond | Cash at a bank that offers it, or mail FS Form 1522 (Rev. April 2026) | Treasury charges no fee | how to cash savings bonds |
| Lost, stolen or destroyed | Treasury claim and records search on FS Form 1048 (Rev. March 2026) | Free form | FS Form 1048 claim for lost bonds |
| A state holds the paper bond | Claim from the state's unclaimed property office | Free | state unclaimed property offices |
| The owner has died | Survivor or estate claims; FS Form 5336 or a court route | Free forms | savings bonds after death |
Source: FS Form 1522, FS Form 1048 and FS Form 5336 (TreasuryDirect); 31 CFR 315.88, 353.70, 353.71, 353.88; as of November 11, 2026.
You Hold the Paper Bond: Cash It
A matured paper bond you hold is cashed like any other bond: at a bank that offers the service, or by mail with FS Form 1522. Banks may cash paper bonds but are not required to (FS Publication 0022, Rev.
October 2022), so ask your own bank first. Banks cannot cash Series H, HH, F, G, J or K, and Treasury lists Series A to D as mail only; those go by mail with FS Form 1522, and Series HH is paid by direct deposit only.
FS Form 1522 (Rev. April 2026) needs a notary or certifying officer, such as an authorized bank officer who confirms your signature, only when the bonds' total redemption value is more than $1,000.
Mail the form and the bonds to Treasury Retail Securities Services, the office that processes mailed requests for Treasury, at P.O. Box 9150, Minneapolis, MN 55480-9150. Treasury charges no fee. Check each bond's value in the current month before you mail it. Our savings bond calculator is built on Treasury's published Fiscal Data value files.
The Bond Is Lost or Destroyed: File a Claim With Treasury
A lost, stolen or destroyed bond is claimed on FS Form 1048 (Rev. March 2026), which is also how Treasury searches its records for you. You can download the form (PDF, TreasuryDirect) and file it without the bond in hand.
FS Publication 0107 (August 2022) lists 4 identifiers for a claim without the serial number. They are the month and year of purchase, the complete Social Security number, the names on the bond with middle names or initials, and the street, city and state of the address.
For gift bonds, give the purchaser's Social Security number. FS Form 1048 (Rev. March 2026) requires all persons named on the bonds to sign before a notary or certifying officer.
Mail the claim to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150. Lost-bond searches take 11 months or longer, according to TreasuryDirect (as of November 11, 2026).
A claim filed 6 or more years after final maturity also needs the bond's serial number, as the time-limits section below explains. Every earlier finding step is in our guide on how to find lost or missing savings bonds.
A State Holds the Paper Bond: Claim It From the State
A state can pay you only for a paper bond it physically holds, such as one from an abandoned safe deposit box, and the claim costs nothing. You file it with the state's unclaimed property program.
Treasury may, at its discretion, pay a state for a paper bond at final maturity that is in the state's possession (31 CFR 315.88, 353.88; 80 FR 80258, December 24, 2015). Treasury never pays a state for bonds the state does not hold, or on a court judgment that only gives the state custody.
Missouri runs the only verified live state name search for paper savings bonds a state holds, checked November 11, 2026. Missouri's search covers bonds that banks delivered from abandoned safe deposit boxes. It does not reach Treasury's records. That held-bond search is the main route for Missouri unclaimed savings bonds.
The Owner Has Died: The Survivor or the Estate Claims
A surviving co-owner or POD beneficiary owns a deceased owner's bond outright; without one, the bond belongs to the owner's estate (31 CFR 353.70(b)(1), (c)(1), for Series EE and HH).
A co-owner is the second person named on the bond with "OR". A POD beneficiary is the person named to receive the bond when the owner dies.
When both named owners have died, the bond belongs to the estate of the one who died last.
A court must administer the estate when the decedent's savings bonds total more than $100,000 in redemption value at the date of death (31 CFR 353.71). Electronic bonds sit in a TreasuryDirect account: contact Treasury, which places a hold on the account.
An estate of $100,000 or less, settled without a court administration, has a federal route when no person named on the bond is living and no state small-estate procedure has been used.
The closest relative in Treasury's order of priority then signs as voluntary representative on FS Form 5336 for estates settled without administration (Rev. April 2026).
The free route takes 5 steps, whatever the situation.
- Gather every paper bond and note its series, face value and issue date.
- Check what each bond is worth in the current month.
- Cash the bonds you hold at a bank or by mail with FS Form 1522.
- File FS Form 1048 for missing bonds, with the 4 identifiers.
- Ask the state unclaimed property office only if the state may hold the paper bond.
Time Limits That Apply to Unclaimed Savings Bonds
Savings bonds have no deadline to cash, but a claim for a lost bond filed 6 or more years after final maturity needs the bond's serial number (31 CFR 315.29(c), 353.29(c)). The serial number is the code of letters and digits printed on each bond.
Every lost Series E bond, every lost Series H bond and every lost Savings Note is already past that point, and, as of November 2026, so is every lost Series EE bond issued from January 1980 to November 1990.
Series I bonds face a different limit: a claim filed 10 or more years after maturity is barred (31 CFR 360.29(c)). A second rule protects Treasury's records: a bond with no claim within 10 years of its recorded redemption is presumed properly paid (31 CFR 353.29(b)).
A $100 Series EE bond issued in 1985 shows how the dates stack up. It reached final maturity in 2015 and stopped earning interest.
From 2018 it was more than 3 years past final maturity, the test in 31 U.S.C. 3105(f); since the 2024 rule (89 FR 102735), Treasury may share its owner's name and address with a state that signs an agreement.
From 2021, a claim for it as a lost bond needs its serial number. In redemption month November 2026, the bond is worth $230.64 (Fiscal Data Savings Bonds Value Files).
Can a State Take Title to Unclaimed Savings Bonds?
No: a state cannot take title to a savings bond it does not physically hold. The Federal Circuit held in LaTurner v. United States, 933 F.3d 1354 (August 13, 2019), that federal law preempts state escheat laws, the laws that let a state take title to abandoned property.
The Supreme Court denied review on October 5, 2020. On November 30, 2020, the Court of Federal Claims dismissed 10 state suits with prejudice in one Opinion and Order.
Sixteen states passed title-escheat statutes by 2015, according to 80 FR 80259. Kansas acted in 2000; Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina and South Dakota in 2014; and Arkansas, Florida, Georgia, Indiana, Maine, New Hampshire, Ohio and South Carolina in 2015. Pennsylvania followed in 2016.
A federal bill, the Unclaimed Savings Bond Act (H.R. 4085 and S. 2854, 117th Congress), was not enacted.
What remains open to a state is the possession route under 31 CFR 315.88 and 353.88, the only route by which a state can be paid for a savings bond. Possession is the payment rule between savings bonds and state unclaimed property offices.
What Happens After You Claim a Matured Savings Bond
Three things follow when a matured savings bond is claimed: Treasury pays its frozen final value, the interest is taxed federally, and only the owner or entitled person is paid.
- Expect the value the bond had when interest stopped, with nothing added since final maturity.
- Ask a tax professional how to report interest from a bond that matured in an earlier year.
- Keep copies of every form and letter you send with the claim.
Savings bond interest is federally taxable for the year the bond is cashed or reaches final maturity, whichever comes first, unless the owner reported it yearly (26 U.S.C. 454). The interest is exempt from state and local income tax (31 U.S.C. 3124(a)).
For an inherited bond, interest the owner deferred before death is income in respect of a decedent, taxed to the person who acquires the bond, unless the personal representative or surviving spouse elects to report it on the decedent's final return (IRS Publications 550 and 559, 2025).
Which year applies to your bonds is a question for a tax professional; the rules on federal tax on savings bond interest are the place to start.
Unclaimed Savings Bonds Questions
How to find savings bonds?
Start with family papers and safe deposit boxes, then check TreasuryDirect for electronic bonds and file FS Form 1048 for anything missing. Ask your bank whether a paper EE or I bond was already cashed when you are unsure. Each route is set out in our savings bond lookup guide.
Is the treasury hunt tool legit?
Treasury Hunt was a genuine Treasury tool, but it has not been available since September 30, 2025, so any site offering "Treasury Hunt" searches today is not Treasury's. TreasuryDirect now points owners to its forms page instead.
Do U.S. saving bonds ever expire?
No: savings bonds never expire and there is no deadline to cash them (Executive Order 13968, 85 FR 83745). They stop earning interest at final maturity, 30 years after issue for Series EE and I, as the table of final maturity by series shows.
A Series E bond stopped after 40 or 30 years, and every one had stopped by June 2010.
How much would a $100 savings bond from 1985 be worth today?
A $100 Series EE savings bond issued in any month of 1985 is worth $230.64 in November 2026, unchanged since it reached final maturity in 2015 (Fiscal Data Savings Bonds Value Files). A $100 bond dated 1985 is Series EE: Series E ended in June 1980 and Series HH came only in $500 and larger denominations, so the 1985 Series EE savings bond value is the same for all 12 issue months.
Can I search unclaimed savings bonds by name for free?
No free or paid service can search Treasury's savings bond records by name in November 2026. Treasury searches its own records only when you file a claim on FS Form 1048, and it charges nothing. Missouri's search covers only paper bonds the state itself holds.
Can I look up a savings bond by its serial number?
No public serial-number lookup exists. Ask your bank first when you are unsure whether a paper EE or I bond was already cashed. If the bank cannot tell you, the owner or co-owner writes to Treasury Retail Securities Services with the serial numbers, without sending the bonds (TreasuryDirect cashing page). Write down each savings bond serial number before you mail anything.
Are unclaimed Treasury bonds the same as unclaimed savings bonds?
No: this page covers US savings bonds only; marketable Treasury bills, notes and bonds are outside its scope. Searchers often say "unclaimed Treasury bonds" when they mean matured savings bonds, and every count here, 103,064,737 bonds on September 30, 2026, refers to savings bonds.
Does Ohio hold unclaimed savings bonds?
Ohio holds a savings bond only if its unclaimed property program physically received the paper bond. Ohio passed a title-escheat statute in 2015 (80 FR 80259), and its Court of Federal Claims suit was among the 10 dismissed on November 30, 2020. Ask the program about Ohio unclaimed savings bonds only if a paper bond may have reached it, for example from a safe deposit box.
Unclaimed Savings Bonds by State
State rules on unclaimed savings bonds come down to 2 facts: a state may claim payment only for a paper bond it holds, and it may receive owners' names and addresses only under a signed agreement.
Figures and rules checked November 11, 2026, against the Fiscal Data, TreasuryDirect, Federal Register, eCFR and court sources named above; see how we check every figure.