Series EE Savings Bonds: Rates, Maturity and Value by Issue Year

Series EE savings bonds, sold on paper from January 1980 to December 2011 at half of face value, are worth $54.76 to $334.80 per $100 bond in November 2026. The lowest value belongs to December 2011 issues, the highest to May to October 1980 issues.

Face value is the amount printed on the bond. Each EE bond earns interest for 30 years from its issue date, so every bond issued January 1980 to November 1996 has stopped earning. Later issues still earn under one of four rate rules, and the issue month decides which one.

ClaimMyBonds is an independent private guide to US savings bonds, not the government. EE is one of the types of US savings bonds Treasury has issued, and its rules differ from Series E, I and HH. Every value on this page comes from Treasury's published Savings Bonds Value Files for redemption month November 2026.

What Are Series EE Savings Bonds?

A Series EE savings bond is a US Treasury savings bond that earns interest for 30 years from its issue date and pays that interest only when you cash it. The offering rules sit in 31 CFR part 351, and Treasury first issued EE bonds in January 1980.

The issue date is the first day of the month the bond was paid for (31 CFR 351.42). Interest builds inside the bond, so its redemption value (what Treasury pays when you cash it) grows from the purchase price until final maturity, the date interest stops.

Treasury cannot call an EE bond, meaning end it early, before final maturity (31 CFR 351.7). Interest is computed on a unit of $12.50 principal (31 CFR 351.16), so Treasury prices every paper EE bond per $25 of face value.

TreasuryDirect's Series EE page gives the current terms. Table 1 sums up the series in eleven rows.

Table 1: Series EE savings bonds at a glance

Sources: TreasuryDirect Series EE pages and 31 CFR part 351 (eCFR as of November 9, 2026), checked November 11, 2026.

Paper and Electronic EE Bonds: Issue Dates, Price and Face Values

Paper Series EE bonds came in 8 face values, from $50 to $10,000, sold for half of face and carry issue dates from January 1980 to December 2011.

The face values were $50, $75, $100, $200, $500, $1,000, $5,000 and $10,000 (31 CFR 351.40), so a $100 bond cost $50. Treasury ended paper sales on January 1, 2012 (76 FR 66855, October 28, 2011).

Payroll savings plans stopped issuing paper EE bonds on October 1, 2010 for federal employees and on January 1, 2011 for all other employees (31 CFR 351.47). No $25 paper EE bond exists: a $25 paper bond is Series E, and $25 is only the pricing unit in Treasury's files.

Electronic EE bonds have been sold in TreasuryDirect, Treasury's online account system, since 2002. They sell at face value: you pay $100 for a $100 electronic bond, in any amount from $25 to the cent (31 CFR 351.61).

Their values appear only inside the owner's TreasuryDirect account, so the values on this page are for paper bonds.

How Series EE Bonds Earn Interest: Four Rate Rules by Issue Date

Series EE bonds earn interest under 4 rules, and the issue date printed on the bond decides which rule applies. The rules are guaranteed or market rate (January 1980 to April 1995) and short-term then long-term market rates (May 1995 to April 1997).

Later bonds earn 90% of 5-year Treasury yields (May 1997 to April 2005) or a fixed rate (May 2005 and later). Treasury announces EE rates each May 1 and November 1. A bond's value changes only on the first day of a month (31 CFR 351.3).

No single "EE bond yield" exists. Each rule pays its own rate, and Table 2 shows what each group earns for 6-month periods starting on or after November 1, 2026. It also gives the range a $100 paper bond in each group is worth in November 2026.

Table 2: The four Series EE rate rules, rates from November 1, 2026 and $100 values in November 2026

Note 1: rates apply to 6-month periods starting on or after November 1, 2026. May 1995 to November 1996 issues have stopped earning. Note 2: interest is credited every 6 months for May 1995 to April 1997 issues, and monthly, compounded semiannually, for later issues.

Note 3: final maturity by row: January 2010 to April 2025; May 2025 to April 2027; May 2027 to April 2035; May 2035 to December 2041.

Note 4: lowest and highest issue months by row: $164.12 (March 1993 to April 1995), $334.80 (May to October 1980); $123.56 (May to October 1995), $128.64 (November 1996); $105.80 (April 2005), $129.84 (May 1997); $54.76 (December 2011), $106.00 (May 2006).

Sources: TreasuryDirect issue-period pages (rates as of November 1, 2026); Bureau of the Fiscal Service, Savings Bonds Value Files, redemption month November 2026.

EE Bonds Issued January 1980 to April 1995: Guaranteed or Market Rate

EE bonds issued January 1980 to April 1995 earned the higher of two values: one at a guaranteed rate and one at a market rate. The market rate was 85% of 6-month averages of 5-year Treasury yields.

Each path was figured over the bond's whole holding period (31 CFR 351.20, 351.21). The guaranteed rate and the original maturity depended on the issue date.

Table 3: Guaranteed rates for EE bonds issued January 1980 to April 1995

Rates are per year, compounded semiannually. Sources: 31 CFR 351.19, 351.20; TreasuryDirect 1980 through 1995 page.

After original maturity, the guaranteed minimum was 6% for extension periods entered May 1, 1989 to February 1, 1993. For periods entered from March 1, 1993 it was 4%, or the minimum in effect when the period began (31 CFR 351.21(a)).

Every bond in this group stopped earning by April 2025. Old rate tables hold one trap: TreasuryDirect's page lists 5-year Treasury yields, such as 13.05% on November 1, 1982. Those yields are inputs, not EE rates; the EE market rate was 85% of their averages.

EE Bonds Issued May 1995 to April 1997: Interest Added Every Six Months

EE bonds issued May 1995 to April 1997 add interest only every 6 months, so a bond cashed between two credit dates gives up that period's interest. TreasuryDirect states this on its May 1995 through April 1997 page; it is a rule of the bond, not our advice.

For the first 5 years these bonds earned 85% of the average of 6-month Treasury rates, then 85% of 5-year Treasury yields. They reach original maturity at 17 years, worth at least face value, then run a 13-year extension. For 6-month periods starting on or after November 1, 2026, they earn 3.80%.

A January 1997 $100 bond shows the steps. It is worth $126.60 in November and December 2026, and Treasury's current value file schedules $128.64 from January 1, 2027, when it reaches 30 years.

Bonds issued May 1995 to November 1996 have stopped earning. Issues of December 1996 to April 1997 stop between December 1, 2026 and April 1, 2027.

EE Bonds Issued May 1997 to April 2005: 90% of 5-Year Treasury Yields

EE bonds issued May 1997 to April 2005 earn 90% of the 6-month average of 5-year Treasury yields, a rate Treasury resets each May 1 and November 1 (31 CFR 351.13, 351.30).

Each bond takes the new rate at the start of its next 6-month period. Interest is credited monthly and compounded semiannually. For 6-month periods starting on or after November 1, 2026, the rate is 4.02%.

Original maturity is 17 years for issues through May 2003 and 20 years for June 2003 to April 2005 issues (31 CFR 351.29). Final maturity falls between May 2027 and April 2035. For the extension years, TreasuryDirect's May 1997 through April 2005 page says: "we use the same method unless we announce a different method."

EE Bonds Issued May 2005 and Later: A Fixed Rate Set at Issue

EE bonds issued May 2005 and later keep the fixed rate Treasury announced for their 6-month issue period (31 CFR 351.34, 351.35). The fixed-rate rule took effect May 1, 2005 (70 FR 17288, April 5, 2005).

Each fixed rate is one of the savings bond interest rates by issue date that Treasury announces each May 1 and November 1. The 14 rate periods of paper bonds in this group are listed below, by issue months.

• May to October 2005: 3.50%; November 2005 to April 2006: 3.20%
• May to October 2006: 3.70%; November 2006 to April 2007: 3.60%
• May to October 2007: 3.40%; November 2007 to April 2008: 3.00%
• May to October 2008: 1.40%; November 2008 to April 2009: 1.30%
• May to October 2009: 0.70%; November 2009 to April 2010: 1.20%
• May to October 2010: 1.40%; November 2010 to April 2011: 0.60%
• May to October 2011: 1.10%; November and December 2011: 0.60%

Treasury may change the rate or method for the last 10 years of the 30-year life, but it must announce that before the bond is 20 years old (May 2005 and later page).

No such announcement appears on TreasuryDirect as of November 11, 2026. New electronic EE bonds issued November 1, 2026 to April 30, 2027 earn a fixed 2.90%, a rate that does not apply to older bonds.

Series EE Maturity: Original Maturity, the Doubling Guarantee and 30-Year Final Maturity

Every Series EE bond stops earning interest at final maturity, 30 years after its issue date, and reaches original maturity after 8 to 20 years. The issue date sets both points. Final maturity comes from 31 CFR 351.5, and a stopped bond keeps its last value.

At original maturity, an EE bond is worth at least double its purchase price; for a paper bond, that equals face value. The 20-year point applies only to EE bonds issued June 2003 and later.

Earlier issues reached their guarantee sooner, after 8 to 18 years or after 17 years. The rules on when savings bonds mature and stop earning interest compare every series.

Table 4 lists the guarantee point for each issue period.

Table 4: The Series EE doubling guarantee by issue date

Sources: 31 CFR 351.19, 351.24, 351.26(b), 351.29, 351.32(b), 351.34, 351.35(f); TreasuryDirect, as of November 11, 2026.

Paper EE bonds issued May 2007 to December 2011, 56 issue months, are below face value in November 2026 because they have not reached 20 years. A May 2007 $1,000 bond is worth $964.40 in November 2026, and Treasury's current value file schedules it at $1,000.00 in May 2027.

The other 55 months reach face between June 2027 and December 2031. These bonds have not lost value: each is worth more than it cost and still earns interest.

Which Series EE Bonds Have Stopped Earning Interest (November 2026)

In November 2026, every paper EE bond issued January 1980 to November 1996 has stopped earning interest: 203 of the 384 paper issue months. Every bond issued December 1996 to December 2011, the other 181 issue months, still earns. A stopped bond keeps the value it had at final maturity.

Fiscal Data counts 82,673,787 matured Series EE bonds not yet cashed as of September 30, 2026, out of 103,064,737 matured unredeemed bonds of all series (Fiscal Data). These are piece counts of bonds, not dollar amounts. Owners and heirs missing such bonds can follow the routes for unclaimed savings bonds.

The next EE bonds to stop are the December 1996 issues, on December 1, 2026. January to April 1997 issues stop from January to April 2027, and May to December 1997 issues from May to December 2027.

No deadline applies to cashing a stopped bond (Executive Order 13968, 85 FR 83745), but it gains nothing by waiting.

Series EE Bond Value by Issue Year (November 2026)

A $100 paper Series EE bond is worth $54.76 to $334.80 in November 2026: $334.80 for May to October 1980 issues and $54.76 for December 2011 issues. Bonds still earning interest (issued December 1996 to December 2011) are worth $54.76 to $129.84. Stopped bonds (issued January 1980 to November 1996) are worth $123.56 to $334.80.

For another face value, scale the $100 figure: a $50 bond is worth half of it, a $1,000 bond ten times as much. Every paper EE bond is worth more than its purchase price in November 2026.

The smallest paper EE face is $50, and the values for how much a $50 savings bond is worth include Series E as well.

Table 5 gives the $100 value for each issue year, from the lowest to the highest issue month.

Table 5: Value of a $100 paper Series EE savings bond in November 2026, by issue year

Note 1: the December 1996 issue earns until December 1, 2026, then stops.

Value of a $100 paper Series EE savings bond in November 2026, by issue year. Other face values scale with face value: a $50 bond is worth half, a $1,000 bond ten times as much.

Values change on the 1st of each month. 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 a $100 bond are the file's $25-unit value times 4.

A bond that still earns interest rises or holds in value on the 1st of each month, while a stopped bond keeps its value. Patriot Bonds have the same values as any EE bond of their issue month.

How to Look Up the Exact Value of Your EE Bond

Three facts printed on the bond set its value: the series, the face value and the issue month. Enter them in our savings bond calculator, built on Treasury's published Value Files, to get the exact value for November 2026. The serial number is not needed.

Treasury's free Savings Bond Calculator prices paper Series EE, I and E bonds and Savings Notes. It shows past values back to January 1996. It does not check whether you own a bond or whether the bond can be cashed.

Values change on the 1st of each month, so check which month a value applies to. Electronic EE bonds are priced only inside the owner's TreasuryDirect account.

Cashing a Series EE Bond: The Rules That Depend on Its Issue Date

A paper Series EE bond is cashed at a bank that chooses to pay it or by mail to Treasury, and 4 rules depend on its issue date. They are the holding period, the penalty, the credit timing and the tax year. The routes for how to cash savings bonds apply to every series.

Two date rules and three cashing routes are listed below.

• Holding period: 6 months for issues through January 1, 2003; 12 months from February 1, 2003 (31 CFR 351.6).
• 3-month penalty: only for EE issued May 1997 or later and cashed before 5 years, already in Treasury's values (31 CFR 351.31); it limits when you can cash savings bonds.
• Banks: may pay EE bonds (31 CFR 321.7(a)) but need not (FS Publication 0022, Rev. October 2022) and may not charge a fee (321.23(c)); policies on what banks cash savings bonds differ.
• Mail: FS Form 1522 (Rev. April 2026) to Treasury Retail Securities Services, Treasury's savings bond office, P.O. Box 9150, Minneapolis, MN 55480-9150; above $1,000 total you sign before a notary or certifying officer, and for $1,000 or less you send an ID copy.
• Electronic: TreasuryDirect pays a whole bond or $25 or more with $25 left (31 CFR 363.54); electronic savings bonds follow account rules.

Mailed requests take 3 months or longer for bonds in your name and 5 months or longer for bonds not in your name (TreasuryDirect, as of November 11, 2026).

May 1995 to April 1997 issues add interest every 6 months, so their credit date matters. Conversion to electronic is not needed to cash (TreasuryDirect, as of November 11, 2026).

Federal tax falls on the interest for the year you cash the bond or it reaches final maturity, whichever comes first, unless reported yearly (26 U.S.C. 454).

For a bond that reached final maturity in an earlier year, that earlier year is the year the rule names. State and local income tax does not apply (31 U.S.C. 3124).

EE bonds issued after 1989 can qualify for the education exclusion (IRC 135, Form 8815) if the owner was 24 or older before the issue date.

For tax year 2026 it phases out between $101,800 and $116,800 of modified adjusted gross income (single) and $152,650 and $182,650 (joint). A tax professional advises on your return, and the rules on federal tax on savings bond interest explain reporting.

What Owners and Heirs Do With Old Series EE Bonds

Owners and heirs take 5 steps with an old Series EE bond: read it, value it, check final maturity, follow the survivor or estate route, and claim any missing bond. The 5 steps are numbered below.

1. Read the issue date, face value and names. "OR" between two names marks co-owners; "P.O.D." marks a payable-on-death beneficiary (31 CFR 353.5, 353.7). The same reading applies to found old savings bonds in a relative's papers.
2. Look up the value in Table 5 or our calculator.
3. Check final maturity: the issue date plus 30 years. A stopped bond gains nothing by waiting.
4. Follow the survivor or estate route if the owner died; savings bonds after death pass to a surviving co-owner, a beneficiary or the estate.
5. File FS Form 1048 (Rev. March 2026) for a lost, stolen or destroyed bond; FS Form 1048 goes to Treasury Retail Securities Services.

Treasury pays a bond only to its registered owner or another person entitled to it (31 CFR 353.39(b)), so a finder or buyer cannot cash it. Keeping or cashing a bond that still earns is the owner's decision.

Series EE Bonds and the Other Savings Bond Series

Four kinds of savings bonds are often confused with Series EE: Series E, Patriot Bonds, Series I and Series HH. Each has its own issue dates, price or final maturity, and those differences change value and cashing.

Series E vs Series EE: Telling 1941 to 1980 Bonds From 1980 to 2011 Bonds

Series E is a different series, issued May 1941 to June 1980 at 75% of face value. E bonds earned for 40 years (May 1941 to November 1965 issues) or 30 years (December 1965 to June 1980 issues) under 31 CFR 316.8(b), and every E bond stopped earning by June 2010.

Both series carry 1980 dates: E bonds from January to June 1980, EE bonds from January 1980 on. A "1955 EE bond" does not exist; a 1955 bond is Series E. Prices and maturity rules for Series E savings bonds differ from EE.

Patriot Bonds: Paper EE Bonds With a Special Inscription

A Patriot Bond is a paper Series EE bond with the "Patriot Bond" inscription, issued December 2001 to December 2011 at half of face. TreasuryDirect states: "Everything about EE bonds applies to these Patriot Bonds."

Patriot Bonds reach final maturity from December 2031 to December 2041. The 121 issue months are worth $54.76 to $121.00 per $100 bond in November 2026, and the cashing rules for Patriot Bonds match EE.

Series EE and Series I Bonds for Owners

Series I bonds, sold from September 1, 1998, are a separate series: they sold at face value and earn a fixed rate plus an inflation rate. The first I bonds reach final maturity in September 2028, so no I bond has stopped earning yet.

Paper I bonds were sold over the counter until December 2011 and through federal tax refunds through 2024 (that option ended January 1, 2025). An owner holding both kinds reads the series letter first, because the rules for Series I savings bonds differ from EE.

Series HH Bonds and EE Exchanges Before September 2004

Series HH bonds were issued January 1980 to August 2004, and E or EE bonds could be exchanged for them until close of business August 31, 2004. Every HH bond stopped earning in August 2024.

Banks cannot cash HH bonds (31 CFR 321.7(a)); Treasury pays them by mail with FS Form 1522. An HH bond from an old EE exchange follows the final maturity and redemption rules for Series HH savings bonds.

Series EE FAQ

Do Series EE Bonds Still Exist?

Yes, but only electronically: TreasuryDirect sells new EE bonds, and those issued November 1, 2026 to April 30, 2027 earn a fixed 2.90%. Paper EE sales ended January 1, 2012. Paper EE bonds already issued stay valid and can be cashed.

How Much Is a Series EE Savings Bond Worth Now?

A $100 paper Series EE bond is worth $54.76 to $334.80 in November 2026, depending on its issue month. Table 5 gives the range for each issue year from 1980 to 2011.

How Can I Cash in Series EE Bonds?

Cash a paper EE bond at a bank that agrees to pay it, or by mail to Treasury with FS Form 1522. Electronic EE bonds are cashed inside TreasuryDirect. The steps to cash in savings bonds apply to every series.

Are Series EE Bonds Negotiable or Transferable?

No. Series EE bonds are not transferable and cannot be pledged as security (31 CFR 353.15, 353.16). Treasury pays only the registered owner or another person entitled, such as a surviving co-owner. A change of owner needs a reissue, a separate Treasury process.

Is There a Series EE Savings Bond Value Chart PDF?

No. Treasury's Savings Bonds Value Files come as data (CSV, JSON, XML), not as a PDF chart, and the older redemption tables were discontinued in May 2023. The files give each $25 unit's value by issue month, and Table 5 turns them into a $100 table for November 2026.

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