A 1977 Series E savings bond is worth $128.09 to $139.70 per $25 of face value (the amount printed on the bond) in November 2026, by issue month. That is $512.36 to $558.80 for a $100 bond and $51,236.00 to $55,880.00 for a $10,000 bond.
Every 1977 bond earned interest for 30 years and stopped between January 1 and December 1, 2007, so every value is final. June 1977 bonds are worth the most of the year and November 1977 bonds the least. The letter on the bond is E, never EE.
Values for November 2026 (final values)
How Much Is a 1977 Series E Savings Bond Worth in November 2026?
A 1977 Series E bond is worth $128.09 (a $25 bond issued in November) to $55,880.00 (a $10,000 bond issued in June) in November 2026.
See the rules of Series E savings bonds, 1941 to 1980. The redemption value is what Treasury pays when you cash the bond, interest included. Table 1 gives all 96 values.
Table 1: What a 1977 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 |
|---|---|---|---|---|---|---|---|---|---|
| January 1977 | $138.04 | $276.08 | $414.12 | $552.16 | $1,104.32 | $2,760.80 | $5,521.60 | $55,216.00 | Jan 1, 2007 |
| February 1977 | $138.04 | $276.08 | $414.12 | $552.16 | $1,104.32 | $2,760.80 | $5,521.60 | $55,216.00 | Feb 1, 2007 |
| March 1977 | $138.04 | $276.08 | $414.12 | $552.16 | $1,104.32 | $2,760.80 | $5,521.60 | $55,216.00 | Mar 1, 2007 |
| April 1977 | $138.04 | $276.08 | $414.12 | $552.16 | $1,104.32 | $2,760.80 | $5,521.60 | $55,216.00 | Apr 1, 2007 |
| May 1977 | $139.40 | $278.80 | $418.20 | $557.60 | $1,115.20 | $2,788.00 | $5,576.00 | $55,760.00 | May 1, 2007 |
| June 1977 | $139.70 | $279.40 | $419.10 | $558.80 | $1,117.60 | $2,794.00 | $5,588.00 | $55,880.00 | Jun 1, 2007 |
| July 1977 | $139.67 | $279.34 | $419.01 | $558.68 | $1,117.36 | $2,793.40 | $5,586.80 | $55,868.00 | Jul 1, 2007 |
| August 1977 | $139.67 | $279.34 | $419.01 | $558.68 | $1,117.36 | $2,793.40 | $5,586.80 | $55,868.00 | Aug 1, 2007 |
| September 1977 | $139.67 | $279.34 | $419.01 | $558.68 | $1,117.36 | $2,793.40 | $5,586.80 | $55,868.00 | Sep 1, 2007 |
| October 1977 | $139.67 | $279.34 | $419.01 | $558.68 | $1,117.36 | $2,793.40 | $5,586.80 | $55,868.00 | Oct 1, 2007 |
| November 1977 | $128.09 | $256.18 | $384.27 | $512.36 | $1,024.72 | $2,561.80 | $5,123.60 | $51,236.00 | Nov 1, 2007 |
| December 1977 | $128.45 | $256.90 | $385.35 | $513.80 | $1,027.60 | $2,569.00 | $5,138.00 | $51,380.00 | Dec 1, 2007 |
Note: the values drop between the October 1977 and November 1977 rows ($11.58 per $25). Treasury's calculator prices eight face values for every 1977 issue month. Prices are 75% of face (31 CFR 316.2(b)). All 12 months fall in the December 1973 to June 1980 final-maturity group of 31 CFR 316.8(b). These values are final.
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 1977 Savings Bond Is Series E, Never Series EE
A savings bond dated 1977 is a Series E bond, never Series EE, because Series EE began in January 1980 and every bond dated May 1941 to June 1980 is Series E (31 CFR 316.1 for the Series E dates; 31 CFR 351 for the EE start).
An EE chart gives a wrong value here. See how Series EE savings bonds, sold from 1980, differ.
When 1977 Bonds Stopped Earning Interest: January to December 2007
Every 1977 Series E bond reached final maturity (the date interest stops) on the 1st of its issue month in 2007, 30 years after issue, and has earned no interest since (31 CFR 316.8(b)).
- January to December 1977 issues: final maturity January 1 to December 1, 2007
- Group: all 12 months sit in the December 1973 to June 1980 group (final maturity December 2003 to June 2010), the last Series E group
- Rule: 40 years for issues May 1941 to November 1965, 30 years for December 1965 to June 1980
- Timeline: TreasuryDirect dates the 30-year rule for E bonds issued after November 1965 to 1989 (TreasuryDirect timeline)
No other Series E issue month reached final maturity in 2007. Read when savings bonds mature and stop earning interest in every series.
Why a November 1977 Bond Is Worth Less Than an October 1977 Bond
An October 1977 Series E bond is worth $558.68 per $100 in November 2026 and a November 1977 bond $512.36, a gap of $46.32 ($11.58 per $25) between two issue months one month apart.
Both months sit in the same group of 31 CFR 316.8(b), so this step falls on no final-maturity boundary. It is the 3rd largest of 174 one-month steps among 30-year Series E bonds (our count from the file). The file shows the step, not its cause.
Table 2: The six 1977 value groups and the months next to them, November 2026
| Issue months | Months | $25 value | $100 value | Interest stopped |
|---|---|---|---|---|
| December 1976 | 1 | $138.04 | $552.16 | Dec 1, 2006 |
| January to April 1977 | 4 | $138.04 | $552.16 | Jan 1 to Apr 1, 2007 |
| May 1977 | 1 | $139.40 | $557.60 | May 1, 2007 |
| June 1977 | 1 | $139.70 | $558.80 | Jun 1, 2007 |
| July to October 1977 | 4 | $139.67 | $558.68 | Jul 1 to Oct 1, 2007 |
| November 1977 | 1 | $128.09 | $512.36 | Nov 1, 2007 |
| December 1977 | 1 | $128.45 | $513.80 | Dec 1, 2007 |
| January and February 1978 | 2 | $128.45 | $513.80 | Jan 1 and Feb 1, 2008 |
Note: every row falls in the same final-maturity group of 31 CFR 316.8(b) (December 1973 to June 1980). The drop from October to November 1977 ($11.58 per $25) is the third largest between two consecutive issue months among Series E bonds with a 30-year life (December 1965 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.
How the Other 1977 Issue Months Compare
1977 has six value groups: January to April $138.04 per $25, May $139.40, June $139.70, July to October $139.67, November $128.09 and December $128.45. June 1977 is the year's high and the 2nd highest value of any 30-year Series E month, behind December 1970 at $140.01.
The value falls twice, by $0.03 from June to July and by $11.58 from October to November.
What a 1977 Bond Cost and How Much Interest It Earned
A 1977 Series E bond cost 75% of its face value, $18.75 for a $25 bond, $75 for a $100 bond and $750 for a $1,000 bond, and grew inside its value until 2007 (31 CFR 316.2(b)).
Treasury pays interest when you cash the bond (31 CFR 315.30). A $100 bond carries $437.36 (November) to $483.80 (June) of interest. It is worth 6.83 to 7.45 times its price.
Which Face Values Were Issued in 1977: Eight, From $25 to $10,000
Treasury's calculator prices 1977 Series E bonds in 8 face values, all valid for every 1977 issue month: $25, $50, $75, $100, $200, $500, $1,000 and $10,000.
- $25: $18.75 ($128.09 to $139.70)
- $50: $37.50 ($256.18 to $279.40)
- $75: $56.25 ($384.27 to $419.10)
- $100: $75 ($512.36 to $558.80)
- $200: $150 ($1,024.72 to $1,117.60)
- $500: $375 ($2,561.80 to $2,794.00)
- $1,000: $750 ($5,123.60 to $5,588.00)
- $10,000: $7,500 ($51,236.00 to $55,880.00)
The $10 bond was priced only through March 1950. Treasury's calculator and 31 CFR 316.2(b) list no $5,000 Series E, so a $5,000 bond dated 1977 is Series H.
Which Savings Bonds Were Sold in 1977: Series E, Series H and Two Retirement Bonds
A savings product bought in 1977 is one of 4 kinds: a Series E bond, a Series H bond, a U.S. Retirement Plan Bond or a U.S. Individual Retirement Bond. Savings Notes ended October 31, 1970, so no note carries a 1977 date.
Series H cost face value, paid interest every six months and stopped 30 years after issue (31 CFR 332.8). Banks may not pay it (31 CFR 321.7(a)). Both retirement bonds sold at face. Table 3 compares the four kinds.
Table 3: Savings products sold in 1977
| 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 | 2007 (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 (1977 issues: 2007, our calculation) | face value | FS Form 1522 by mail (banks may not pay Series H) |
| Retirement Plan Bonds | face value | $50, $100, $500, $1,000 | not stated in our sources | stops by the 60th month after the registered owner's death (31 CFR 341.1(b)); may still earn | not in our data | FS Form 1522 by mail |
| Individual Retirement Bonds | face value | $50, $75, $100, $500 | not stated in our sources | matures when the owner reaches 70 1/2, or 5 years after the owner's death if earlier (31 CFR 346.1(b)); may still earn | not in our data | FS Form 1522 by mail |
Sources: 31 CFR 316.2(b), 332.8, 341, 346.1(b) and 321.7(a); TreasuryDirect historical and retired bonds page (as of November 11, 2026).
How to Find the Exact Value of Your 1977 Savings Bond
Treasury prices a 1977 Series E bond by its issue month and face value; for 1977 the month decides between two value levels, $138.04 to $139.70 (January to October) and $128.09 to $128.45 (November and December) per $25. Our savings bond calculator, built on Treasury's published value files, prices paper E bonds.
- Check that the bond says Series 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.
TreasuryDirect's free calculator marks matured bonds "MA". E bonds issued on or after January 1, 1974 need the owner's Social Security number (31 CFR 316.2(c)(1)), which takes in every 1977 issue.
Neither the number, the name nor the design changes the value.
Cashing a 1977 Savings Bond and Reporting Its Interest
A 1977 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).
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.
TreasuryDirect's contact page (as of November 11, 2026) gives 3 months or longer for bonds in your name, 5 months or longer if not. See how to cash by mail with FS Form 1522.
At $1,000 or less, sign and enclose a copy of your ID: a January 1977 $100 bond plus a $75 bond ($966.28). Above $1,000, a notary or certifying officer certifies your signature: any 1977 $200 bond ($1,024.72 to $1,117.60) or a $500 bond ($2,561.80 and up).
Tax Year 2007: When Interest on a 1977 Bond Was Reportable
Interest on a 1977 bond that was never cashed became reportable for tax year 2007, the year of its final maturity, unless reported earlier (31 CFR 316.9; 26 U.S.C. 454; IRS Publication 550).
The interest is the value minus the price, $437.36 to $483.80 per $100 bond, and it is federal income only (31 U.S.C. 3124). Ask a tax professional about a missed year, and see the federal tax on savings bond interest.
Lost, Found or Inherited 1977 Bonds
Six situations change what an owner or heir does with a 1977 bond: lost, inherited, inherited with unreported interest, found, searched for online, or held in Treasury records only.
Table 4: Lost, found or inherited 1977 bonds
| Situation | Rule for a 1977 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)); for 1977 bonds that is 2013 at the latest (our calculation). Treasury's 2024 Report to Congress (March 11, 2025) said records of 1974 to 1993 issues were digitized in phases completed May 2021 and February 2022. | 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, co-owner and beneficiary before cashing. | found old savings bonds |
| Searched for online | Treasury Hunt's December 2019 relaunch searched matured bonds issued after 1973, by Social Security number, a scope that took in 1977 issues (2024 Report to Congress; our reading). It has been unavailable since September 30, 2025 (TreasuryDirect), with no online replacement. | Treasury Hunt is closed |
| Held in Treasury records, not in hand | For a bond more than 3 years past final maturity, Treasury may share the owner's name and address with a State that has an information-sharing agreement, 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
Neighboring issue years and every Series E face value are listed below.
- 1970 Series E savings bond value (December 1970, the only 30-year month above June 1977)
- 1975 Series E savings bond value
- 1976 Series E savings bond value
- 1978 Series E savings bond value (the largest 30-year step, February to March 1978)
- 1979 Series E savings bond value
- $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 1977)
- $10,000 savings bond worth
1977 Savings Bond FAQ
How much is a $25 savings bond from 1977 worth today?
A $25 savings bond from 1977 is worth $128.09 to $139.70 in November 2026, by issue month. A January 1977 $25 bond is worth $138.04. It cost $18.75.
How much is a $100 savings bond from 1977 worth after 30 years?
Every $100 Series E bond issued in 1977 reached final maturity after exactly 30 years and is worth $512.36 (November) to $558.80 (June) in November 2026. See what a $100 savings bond is worth after 30 years in any series.
How much is a $1,000 savings bond from 1977 worth?
A $1,000 Series E bond from 1977 is worth $5,123.60 (November) to $5,588.00 (June) in November 2026, 30 years of interest on a $750 price. See a $1,000 savings bond of any series.
How much is a $10,000 savings bond from 1977 worth?
A $10,000 Series E bond from 1977 is worth $51,236.00 (November) to $55,880.00 (June) in November 2026. It cost $7,500. By mail it needs a certified signature.
Why did a $100 savings bond from 1977 cost $75 and not $50?
A $100 Series E bond from 1977 cost $75 because Series E sold at 75% of face value (31 CFR 316.2(b)). The half-price rule belongs to paper Series EE, sold from 1980.
Does a 1977 savings bond expire or still earn interest?
A 1977 US savings bond, now 48 years 11 months to 49 years 10 months 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 2007.
Has the value of a 1977 bond changed since 2007?
No: a 1977 bond's value has not changed since its final maturity in 2007. The value files show one figure per 1977 month through May 2027.
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.