A 1965 Series E savings bond is worth $128.12 to $234.11 per $25 of face value (the amount printed on the bond) in November 2026, by issue month. A $100 bond is worth $512.48 to $936.44, and a $10,000 bond $51,248.00 to $93,644.00.
1965 is the only issue year with two lives: January to November issues earned for 40 years and December issues for 30, so a December $100 bond is worth $223.64 less than a November one. All values are final.
Values for November 2026 (final values)
How Much Is a 1965 Series E Savings Bond Worth in November 2026?
A 1965 Series E bond is worth $128.12 (a $25 bond issued in December) to $93,644.00 (a $10,000 bond issued in January) in November 2026. For the rules of Series E savings bonds, 1941 to 1980, see our overview. The redemption value is what Treasury pays when you cash the bond.
Table 1 lists every issue month and face value, with the 40-year or 30-year life.
Table 1: What a 1965 Series E savings bond is worth in November 2026, by issue month and face value
| Issue month | $25 | $50 | $75 | $100 | $200 | $500 | $1,000 | $10,000 | Interest stopped | Life |
|---|---|---|---|---|---|---|---|---|---|---|
| January 1965 | $234.11 | $468.22 | $702.33 | $936.44 | $1,872.88 | $4,682.20 | $9,364.40 | $93,644.00 | Jan 1, 2005 | 40 years |
| February 1965 | $214.74 | $429.48 | $644.22 | $858.96 | $1,717.92 | $4,294.80 | $8,589.60 | $85,896.00 | Feb 1, 2005 | 40 years |
| March 1965 | $215.79 | $431.58 | $647.37 | $863.16 | $1,726.32 | $4,315.80 | $8,631.60 | $86,316.00 | Mar 1, 2005 | 40 years |
| April 1965 | $215.77 | $431.54 | $647.31 | $863.08 | $1,726.16 | $4,315.40 | $8,630.80 | $86,308.00 | Apr 1, 2005 | 40 years |
| May 1965 | $215.77 | $431.54 | $647.31 | $863.08 | $1,726.16 | $4,315.40 | $8,630.80 | $86,308.00 | May 1, 2005 | 40 years |
| June 1965 | $185.97 | $371.94 | $557.91 | $743.88 | $1,487.76 | $3,719.40 | $7,438.80 | $74,388.00 | Jun 1, 2005 | 40 years |
| July 1965 | $185.97 | $371.94 | $557.91 | $743.88 | $1,487.76 | $3,719.40 | $7,438.80 | $74,388.00 | Jul 1, 2005 | 40 years |
| August 1965 | $183.08 | $366.16 | $549.24 | $732.32 | $1,464.64 | $3,661.60 | $7,323.20 | $73,232.00 | Aug 1, 2005 | 40 years |
| September 1965 | $184.03 | $368.06 | $552.09 | $736.12 | $1,472.24 | $3,680.60 | $7,361.20 | $73,612.00 | Sep 1, 2005 | 40 years |
| October 1965 | $184.03 | $368.06 | $552.09 | $736.12 | $1,472.24 | $3,680.60 | $7,361.20 | $73,612.00 | Oct 1, 2005 | 40 years |
| November 1965 | $184.03 | $368.06 | $552.09 | $736.12 | $1,472.24 | $3,680.60 | $7,361.20 | $73,612.00 | Nov 1, 2005 | 40 years |
| December 1965 | $128.12 | $256.24 | $384.36 | $512.48 | $1,024.96 | $2,562.40 | $5,124.80 | $51,248.00 | Dec 1, 1995 | 30 years |
Note: face values issued in 1965 are $25, $50, $75, $100, $200, $500, $1,000 and $10,000, in every month (TreasuryDirect calculator windows). Prices are 75% of face (31 CFR 316.2(b)). Life: 31 CFR 316.8(b). The December row is in bold.
Source: Bureau of the Fiscal Service, Savings Bonds Value Files (Fiscal Data, dataset 015-BFS-2014Q3-094, updated November 2, 2026), redemption month November 2026. Values for each face value are the file's $25-unit value times face/25; Series E values have not changed since final maturity.
A 1965 Savings Bond Is Series E, Never Series EE
A 1965 bond marked E is Series E, never EE: Series EE began in January 1980, and every Series E bond is dated May 1941 to June 1980. Check the letter printed on yours, because an EE chart gives a wrong value. See how Series EE savings bonds, sold from 1980, differ.
Why 1965 Bonds Stopped Earning in Two Different Years, 2005 and 1995
January to November 1965 Series E bonds reached final maturity (the date interest stops) in 2005, after 40 years, and December 1965 bonds on December 1, 1995, after 30 years (31 CFR 316.8(b)). No 1965 bond earns an interest rate today.
- Issues January to November 1965: 40 years, stopped January 1 to November 1, 2005, the end of the June 1959 to November 1965 group
- Issues December 1965: 30 years, stopped December 1, 1995, the start of the December 1965 to May 1969 group
- Rule: 40 years for May 1941 to November 1965 issues, 30 years for December 1965 to June 1980 issues
- Timeline: TreasuryDirect's history timeline records the same split in its 1989 schedule
The December bond, issued last, stopped first, nine years and one month before the January bond. Other savings bonds mature and stop earning interest on other dates.
Why a December 1965 Bond Is Worth Far Less Than a November 1965 Bond
A December 1965 bond is worth far less than a November 1965 bond because it earned for 30 years, not 40: $512.48 against $736.12 per $100 in November 2026 (31 CFR 316.8(b)).
The $223.64 gap per $100 ($55.91 per $25) is the largest drop between consecutive issue months among all 470 Series E months. 1965 also spans $105.99 per $25, the widest range of any year.
Table 2 groups the issue months that share one value.
Table 2: The eight 1965 value groups and the months next to them, November 2026
| Issue months | Months | $25 value | $100 value | Interest stopped | Life | Year page |
|---|---|---|---|---|---|---|
| December 1964 | 1 | $234.11 | $936.44 | Dec 1, 2004 | 40 years | 1964 Series E savings bond value |
| January 1965 | 1 | $234.11 | $936.44 | Jan 1, 2005 | 40 years | |
| February 1965 | 1 | $214.74 | $858.96 | Feb 1, 2005 | 40 years | |
| March 1965 | 1 | $215.79 | $863.16 | Mar 1, 2005 | 40 years | |
| April to May 1965 | 2 | $215.77 | $863.08 | Apr 1 to May 1, 2005 | 40 years | |
| June to July 1965 | 2 | $185.97 | $743.88 | Jun 1 to Jul 1, 2005 | 40 years | |
| August 1965 | 1 | $183.08 | $732.32 | Aug 1, 2005 | 40 years | |
| September to November 1965 | 3 | $184.03 | $736.12 | Sep 1 to Nov 1, 2005 | 40 years | |
| December 1965 | 1 | $128.12 | $512.48 | Dec 1, 1995 | 30 years | |
| January 1966 | 1 | $128.13 | $512.52 | Jan 1, 1996 | 30 years | 1966 Series E savings bond value |
Note: the drop from November to December 1965 ($55.91 per $25) is the largest between two consecutive issue months in Treasury's Series E value file, which covers May 1941 to June 1980.
Source: Bureau of the Fiscal Service, Savings Bonds Value Files (Fiscal Data, dataset 015-BFS-2014Q3-094, updated November 2, 2026), redemption month November 2026. Values for each face value are the file's $25-unit value times face/25; Series E values have not changed since final maturity.
Why Values Also Fall From January to November 1965
The January to November 1965 issues fall into seven value groups, and the value drops at four points inside those eleven months. The drops are January to February ($19.37 per $25), March to April ($0.02), May to June ($29.80) and July to August ($2.89). Values rise or hold at every other step.
January 1965 shares the top Series E value, $234.11 per $25, with December 1964. Three of the five largest one-month drops in the file fall in 1965.
What a 1965 Bond Cost and How Much Interest It Earned
A 1965 Series E bond cost 75% of face value, $18.75 for a $25 bond and $75 for a $100 bond, and grew inside its value until 2005 or 1995 (31 CFR 316.2(b)). Treasury pays the interest only when you cash the bond (31 CFR 315.30).
A $100 bond carries $437.48 to $861.44 of interest, 6.83 to 12.49 times its price. A December 1965 $100 bond ($512.48) is worth less than any 1975 $100 bond ($526.28 to $539.00).
Which Face Values Were Issued in 1965: Eight, From $25 to $10,000
Treasury's calculator prices 1965 Series E bonds in 8 face values, all valid for every 1965 issue month: $25, $50, $75, $100, $200, $500, $1,000 and $10,000. The list gives each price and value range.
- $25: $18.75 price, $128.12 to $234.11 value
- $50: $37.50 price, $256.24 to $468.22 value
- $75: $56.25 price, $384.36 to $702.33 value
- $100: $75 price, $512.48 to $936.44 value
- $200: $150 price, $1,024.96 to $1,872.88 value
- $500: $375 price, $2,562.40 to $4,682.20 value
- $1,000: $750 price, $5,124.80 to $9,364.40 value
- $10,000: $7,500 price, $51,248.00 to $93,644.00 value
In the TreasuryDirect calculator, 1965 is the first issue year with all 8 face values in every month, because it prices the $75 only from May 1964 issue dates. It lists no $5,000 Series E.
Which Savings Bonds Were Sold in 1965: Series E, Series H and Retirement Plan Bonds
A savings bond bought in 1965 is one of 3 kinds: Series E, Series H or a U.S. Retirement Plan Bond. Retirement Plan Bonds were sold from January 1, 1963 (31 CFR 341). A $5,000 bond dated 1965 is Series H.
H and Retirement Plan Bonds are cashed by mail with FS Form 1522. Savings Notes began on May 1, 1967, J and K ended in April 1957 and F and G in April 1952, so no 1965 bond carries those names. Table 3 compares the three kinds.
Table 3: Savings bonds sold in 1965: Series E, Series H and Retirement Plan Bonds
| Kind | Price | Face values | Interest | Stopped earning | Paid today | Where to cash |
|---|---|---|---|---|---|---|
| Series E | 75% of face | $25 to $10,000 (Table 1) | added to the value | 2005 (40 years) or 1995 (December, 30 years) | Table 1 value | a financial institution that cashes savings bonds, or FS Form 1522 by mail |
| Series H savings bonds | face value | $500, $1,000, $5,000, $10,000 | paid every six months | 30 years after issue (1995, our calculation) | face value | FS Form 1522 by mail (banks may not pay Series H, 31 CFR 321.7(a)) |
| Retirement Plan Bonds | face value | $50, $100, $500, $1,000 | not stated in our sources | by the 60th month after the registered owner's death (31 CFR 341.1(b)); some may still earn | not in our data | FS Form 1522 by mail |
Sources: 31 CFR 316.2(b), 316.8(b); 31 CFR 332.8 (30 years for February 1957 to December 1979 H issues); 31 CFR 341; 31 CFR 321.7(a); TreasuryDirect historical and retired bonds page (as of November 11, 2026).
How to Find the Exact Value of Your 1965 Savings Bond
Treasury prices a 1965 Series E bond by issue month and face value, and a December date cuts the value about 30% against November. Our savings bond calculator, built on Treasury's published value files, prices paper E bonds.
- Check that the bond says E.
- Read the issue date on a paper savings bond, upper right (31 CFR 316.2(c)(2)).
- Ignore the validation date, lower right.
- Read the face value.
- Find the row and column in Table 1, and check whether the month is December.
TreasuryDirect's free calculator marks E bonds "MA". A 1965 bond carries no Social Security number; one is required from January 1, 1974 (31 CFR 316.2(c)(1)).
Cashing a 1965 Savings Bond and Reporting Its Interest
A 1965 Series E bond is cashed at a financial institution that cashes savings bonds or by mail with FS Form 1522, and Treasury charges no fee. Read how to cash savings bonds.
Banks may cash paper bonds but need not (FS Publication 0022, Rev. October 2022), and charge you no fee (31 CFR 321.23(c)). You write your Social Security number on the bond (31 CFR 315.39(a)); a beneficiary brings the certified death certificate.
FS Form 1522 (Revised April 2026; PDF, TreasuryDirect) goes with the bond to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150. Treasury lists 3 months or longer in your name, 5 if not (November 11, 2026). See how to cash by mail with FS Form 1522.
At $1,000 or less in total, sign and enclose a copy of an ID: one January $100 bond ($936.44) qualifies. Above $1,000, a notary or certifying officer certifies your signature, for example a January $100 and $25 together ($1,170.55) or any bond of $200 or more in December.
Tax Year 2005 or 1995: When Interest on a 1965 Bond Was Reportable
Interest on a 1965 bond that was never cashed became reportable for the tax year of its final maturity: 2005 for January to November issues and 1995 for December issues, unless reported earlier (31 CFR 316.9; 26 U.S.C. 454; IRS Publication 550).
The interest is the value minus the price, $437.48 to $861.44 per $100 bond, and is federal only (31 CFR 316.9(a)). Ask a tax professional about a missed year; see the reporting rules for federal tax on savings bond interest.
Lost, Found or Inherited 1965 Bonds
Five situations change what an owner or heir does with a 1965 bond: lost, inherited, inherited with unreported interest, found, or still in Treasury's records only.
Table 4: Lost, found or inherited 1965 bonds
| Situation | Rule for a 1965 bond | Link |
|---|---|---|
| Lost, stolen or destroyed | Claim on FS Form 1048 (Revised March 2026). Claims 6 years or more after final maturity need the serial number (31 CFR 315.29(c)): since 2011 for January to November issues and since December 2001 for December issues (our calculation). Treasury's 2024 Report to Congress (March 11, 2025) said records from October 1957 to November 1973 were digitized, a phase completed in January 2024. Treasury Hunt has been unavailable since September 30, 2025. | FS Form 1048 claim for lost, stolen or destroyed savings bonds |
| Owner has died | The surviving "OR" co-owner or the P.O.D. (payable-on-death) beneficiary takes the bond, otherwise the estate (31 CFR 315.70). | savings bonds after death |
| Inherited, interest never reported | If the owner died before the bond's final maturity, interest earned before death is income in respect of a decedent unless reported on the owner's final return. If the owner was alive at final maturity, the interest was reportable for that year (26 CFR 1.454-1(a)(1); IRS Publication 550). | taxes on inherited savings bonds |
| Found among papers | The value comes from Table 1. Check the owner name, co-owner and beneficiary before cashing. | found old savings bonds |
| Held in Treasury records, not in hand | Treasury may give a State that has signed an information-sharing agreement the owner's name and address for bonds more than 3 years past final maturity, only to locate the owner (31 U.S.C. 3105(f); 31 CFR 323.11; 89 FR 102735, December 18, 2024). No State is publicly known to have one as of November 11, 2026. | unclaimed savings bonds |
Other Issue Years and Face Values
The same tables exist for the issue years 1963, 1964, 1966, 1967 and 1975 and for 9 face values.
- 1963 Series E savings bond value
- 1964 Series E savings bond value (December 1964 equals January 1965)
- 1966 Series E savings bond value (the first full 30-year year)
- 1967 Series E savings bond value
- 1975 Series E savings bond value (also stopped in 2005, after 30 years)
- $25 savings bond worth
- $50 savings bond worth
- $75 savings bond worth
- $100 savings bond worth
- $200 savings bond worth
- $500 savings bond worth
- $1,000 savings bond worth
- $5,000 savings bond worth (Series H in 1965)
- $10,000 savings bond worth
1965 Savings Bond FAQ
How much is a $25 savings bond from 1965 worth today?
A $25 savings bond from 1965 is worth $128.12 to $234.11 in November 2026, by issue month, from December to January.
How much is a $100 savings bond from 1965 worth after 30 years?
A $100 Series E bond issued in December 1965 reached final maturity after exactly 30 years and is worth $512.48 in November 2026. One issued January to November 1965 earned 40 years and is worth $732.32 to $936.44. See what a $100 savings bond is worth after 30 years.
How much is a $75 savings bond from 1965 worth?
A $75 Series E bond from 1965 is worth $384.36 to $702.33 in November 2026.
How much is a $10,000 savings bond from 1965 worth?
A $10,000 Series E bond from 1965 is worth $51,248.00 (December) to $93,644.00 (January) in November 2026. It cost $7,500; by mail it needs a certified signature.
Is a 60-year-old savings bond from 1965 still valid?
Yes: a 1965 US savings bond, 60 to 61 years old, does not expire and can be cashed at any time (31 CFR 315.35(c); EO 13968, 85 FR 83745). It has earned nothing since 2005 (1995 for December issues). "Premium bonds" are a British product, not covered here.
Has the value of a 1965 bond changed since 2005?
No: a 1965 bond's value has not changed since its final maturity in 2005, or 1995 for December issues.
Is a 1965 savings bond worth more to a collector?
Treasury pays a 1965 bond's redemption value, $128.12 to $234.11 per $25 in November 2026, and no collector premium. Treasury pays only the owner or a person entitled (31 CFR 315.39(b)).
Claiming from Treasury and from state programs costs nothing, and the forms are free. Found bonds you cannot cash, or a relative's bonds? ClaimMyBonds is a private company, not the government; we can help with the paperwork, tracing and follow-up.