A 1982 Series EE savings bond is worth $146.90 per $50 of face value in November 2026 if issued January to October 1982, and $140.16 if issued in November or December 1982. A $100 bond is worth $293.80 or $280.32. Each bond stopped earning interest in 2012, so its value no longer changes.
These values come from Treasury's Savings Bonds Value Files, which change on the 1st of each month for bonds still earning. The 1982 values are the same in every month from November 2026 to May 2027.
Values for November 2026
How Much Is a 1982 Series EE Savings Bond Worth in November 2026?
A 1982 paper Series EE bond is worth $140.16 (a $50 bond issued November or December) to $29,380.00 (a $10,000 bond issued January to October) in November 2026. Paper EE bonds come in 8 face values, and the issue month sets 2 values for each. Which faces Treasury sold in 1982 is not established.
Table 1 lists all 12 issue months. The rules of Series EE savings bonds by issue date explain why only 2 values appear.
Table 1: What a 1982 paper Series EE savings bond is worth in November 2026, by issue month and face value
| Issue month | $50 | $75 | $100 | $200 | $500 | $1,000 | $5,000 | $10,000 | Original maturity | Stopped earning |
|---|---|---|---|---|---|---|---|---|---|---|
| January 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Jan 1, 1990 | Jan 1, 2012 |
| February 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Feb 1, 1990 | Feb 1, 2012 |
| March 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Mar 1, 1990 | Mar 1, 2012 |
| April 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Apr 1, 1990 | Apr 1, 2012 |
| May 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | May 1, 1990 | May 1, 2012 |
| June 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Jun 1, 1990 | Jun 1, 2012 |
| July 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Jul 1, 1990 | Jul 1, 2012 |
| August 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Aug 1, 1990 | Aug 1, 2012 |
| September 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Sep 1, 1990 | Sep 1, 2012 |
| October 1982 | $146.90 | $220.35 | $293.80 | $587.60 | $1,469.00 | $2,938.00 | $14,690.00 | $29,380.00 | Oct 1, 1990 | Oct 1, 2012 |
| November 1982 | $140.16 | $210.24 | $280.32 | $560.64 | $1,401.60 | $2,803.20 | $14,016.00 | $28,032.00 | Nov 1, 1992 | Nov 1, 2012 |
| December 1982 | $140.16 | $210.24 | $280.32 | $560.64 | $1,401.60 | $2,803.20 | $14,016.00 | $28,032.00 | Dec 1, 1992 | Dec 1, 2012 |
Note: the table lists the paper EE face values in 31 CFR 351.40, not a claim about which were sold in 1982; your bond's face value is printed on it. A new issue group starts with the November 1982 row (November 1, 1982).
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 the face value divided by 25.
What a $50, $100 or $1,000 Bond From 1982 Is Worth Today
A $100 Series EE bond from 1982 is worth $293.80 in November 2026 if issued January to October, and $280.32 if issued November or December. The $50 pair is $146.90 and $140.16; the $1,000 pair $2,938.00 and $2,803.20.
A $100 bond cost $50, so it is worth about 5.9 times its price (January to October) or 5.6 times (November, December). These are also its values after 30 years, reached in 2012.
Why Every 1982 EE Bond Has Stopped Earning Interest
Every 1982 Series EE bond reached final maturity between January 1 and December 1, 2012, 30 years after its issue month, and has stopped earning interest (31 CFR 351.5).
- January to October 1982 issues: original maturity January to October 1990 (8 years), first extension from 1990, second extension from 2000, final maturity January to October 2012.
- November and December 1982 issues: original maturity November and December 1992 (10 years), first extension from 1992, second extension from 2002, final maturity November and December 2012.
An October 1982 bond reached original maturity, the end of its first guaranteed period, on October 1, 1990; a November 1982 bond on November 1, 1992, 25 months later. Extension years are our calculation; the rules on when savings bonds mature and stop earning interest differ by series.
Why November and December 1982 Bonds Are Worth Less Than January to October Bonds
November and December 1982 bonds are worth less because the value file prices them at $70.08 per $25 of face value, against $73.45 for January to October 1982 bonds.
The step falls on November 1, 1982, the first issue date of a new group in 31 CFR 351.19. The gap is $13.48 on a $100 bond, and $29,380.00 against $28,032.00 on a $10,000 bond.
Table 2: Blocks of issue months that share one value, and the issue group each belongs to (late 1980 to early 1993, November 2026)
| Issue months | Months | $100 value, November 2026 | Guarantee and original maturity | Maturity schedule (original + 1st + 2nd extension) |
|---|---|---|---|---|
| November 1980 to April 1981 | 6 | $306.88 | 8%, 9 years | 9 + 10 + 11 |
| May 1981 to October 1982 (includes January to October 1982) | 18 | $293.80 | 9%, 8 years | 8 + 10 + 12 |
| November 1982 to February 1983 (includes November and December 1982) | 4 | $280.32 | 7.5%, 10 years | 10 + 10 + 10 |
| March 1983 to October 1986 | 44 | $230.64 | 7.5%, 10 years | 10 + 10 + 10 |
| November 1986 to February 1993 | 76 | $207.36 | 6%, 12 years | 12 + 10 + 8 |
Note: rows 3 and 4 share terms; row 3 bonds entered their first extension before March 1, 1993, row 4 bonds on or after it (31 CFR 351.21(a); our calculation).
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 the face value divided by 25. Rules: 31 CFR 351.19, 351.21; TreasuryDirect page "EE bonds issued 1980 through April 1995".
The 9% and 7.5% Guarantees of 1982 Bonds
1982 EE bonds carried a guaranteed rate, compounded semiannually, for their original maturity: 9% for 8 years on January to October issues and 7.5% for 10 years on November and December issues.
A bond earned the higher of that guaranteed value and a market-based value, 85% of 6-month averages of 5-year Treasury yields, as Treasury's page on EE bonds issued 1980 through April 1995 lists (31 CFR 351.20, 351.21).
Both groups entered their first extension inside the 6% minimum window of 31 CFR 351.21(a)(1) (our calculation). See savings bond interest rates by issue date.
Why November 1982 Bonds Share a Value With Early 1983 Bonds
November and December 1982 bonds share one value with January and February 1983 bonds because the file prices those 4 issue months alike. They are the only 4 months of the 7.5% group whose first extension began before March 1, 1993 (31 CFR 351.19, 351.21(a); our calculation).
From March 1983 issues the file drops to $57.66 per $25 ($230.64 per $100) for 44 months. Second extensions began in 2000 and 2002 (our calculation) under a 4% minimum (31 CFR 351.21(a)(2)). The file value results from all 30 years; we do not say which rate set it.
How to Find the Exact Value of Your 1982 Savings Bond
Treasury prices a 1982 EE bond by its face value and issue month; the serial number is not needed. Our savings bond calculator, built on Treasury's published value files, prices it from the same inputs.
- Check that the bond says Series EE.
- Read the issue date on a paper savings bond (the 1st of the month, 31 CFR 351.42).
- Note whether it is January to October or November and December 1982.
- Find your face value, the dollar amount printed on the bond, in Table 1.
- Check the as-of month, November 2026.
TreasuryDirect's calculator is Treasury's free tool and shows past values back to January 1996.
Which Savings Bonds Were Issued in 1982
A savings bond issued in 1982 is one of 4 kinds: Series EE, Series HH, a U.S. Retirement Plan Bond or an Individual Retirement Bond. HH interest rates stepped on November 1, 1982, like the EE guarantees, from 8.5% to 7.5% (31 CFR 352.2(e)(1)).
HH cash purchases ended in 1982 (Treasury gives no month), and a 1982 HH bond stopped paying in 2002 (our calculation). Series E sales ended in June 1980, so a bond dated 1982 is never Series E.
Table 3: The kinds of savings bonds Treasury issued in 1982
| Attribute | Series EE (1982) | Series HH savings bonds (1982) | Retirement Plan Bonds and Individual Retirement Bonds |
|---|---|---|---|
| Sold in 1982 | All 12 months | All 12 months (cash purchases ended during 1982, month not published; exchanges continued) | January 1 to April 30, 1982 only (last issue dates) |
| Price | Half of face | Face value | Face value |
| Face values | $50 to $10,000 today (8 values in 31 CFR 351.40); which were sold in 1982 is not established | $500, $1,000, $5,000, $10,000 | Retirement Plan Bonds $50, $100, $500, $1,000; Individual Retirement Bonds $50, $75, $100, $500 |
| Interest | Added to the bond's value | Paid to the owner every 6 months; 8.5% for May 1981 to October 1982 issues, 7.5% for November 1982 to October 1986 issues (31 CFR 352.2(e)(1)) | Not tabled here |
| Life | 30 years (stopped January to December 2012) | 20 years (stopped 2002, our calculation from 31 CFR 352.2(c)) | No fixed term; Individual Retirement Bonds mature at age 70 1/2 (31 CFR 346.1(b)) |
| Worth in November 2026 | Table 1 ($280.32 or $293.80 per $100) | Face value | Not in our data |
| Where to cash | A bank that cashes savings bonds, or FS Form 1522 by mail | Treasury only, FS Form 1522 by mail, direct deposit only | FS Form 1522 by mail |
| 3-month early-cash penalty | Never applied (EE issued May 1997 and later only) | Not applicable | Not applicable |
Note: Series E bonds were sold until June 1980; a bond dated 1982 is not Series E. Series E bonds issued in 1942 reached final maturity in 1982 (see 1942 Series E savings bond value).
Sources: 31 CFR 341, 346.1(b), 351.40, 352.0, 352.2; TreasuryDirect Series HH, historical bonds and timeline pages (as of November 11, 2026).
Cashing a 1982 Savings Bond and Reporting Its Interest
A 1982 paper EE bond is cashed at a bank that redeems savings bonds or by mail with FS Form 1522, and Treasury charges no fee. The forms are free; see how to cash savings bonds. Banks may cash paper bonds but need not (FS Publication 0022, Rev. October 2022).
On the form (PDF, TreasuryDirect, Revised April 2026), $1,000 or less in total needs no signature certification: one $200 bond ($587.60 or $560.64) needs an ID copy only. Above $1,000, such as one $500 bond ($1,469.00 or $1,401.60), a notary or certifying officer must certify it.
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; Treasury says 3 months or longer (as of November 11, 2026). See cash by mail with FS Form 1522.
Tax Year 2012: When Interest on a 1982 Bond Was Reportable
Interest on a 1982 bond that was never cashed was reportable for tax year 2012, the year of its final maturity, unless the owner reported it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
The interest is $243.80 or $230.32 on a $100 bond, exempt from state and local income tax (31 U.S.C. 3124(a)). For a missed year, ask a tax professional; see federal tax on savings bond interest.
If the owner died earlier, interest earned before death is income in respect of a decedent unless reported on the final return (26 U.S.C. 691); see taxes on inherited savings bonds.
Lost, Found or Inherited 1982 Bonds
A lost 1982 bond is claimed with FS Form 1048 (Revised March 2026), and the claim needs the bond's serial number. The FS Form 1048 claim for lost, stolen or destroyed savings bonds is free, and claims 6 years or more after final maturity need the savings bond serial number (31 CFR 353.29(c)).
1982 bonds passed that point between January and December 2018 (our calculation), and Treasury Hunt, a discontinued Treasury tool, has been unavailable since September 30, 2025.
A deceased owner's bond goes to the surviving "OR" co-owner or POD beneficiary, otherwise the estate (31 CFR 353.70(b)(1), (c)(1)); see savings bonds after death. For a found bond, see found old savings bonds.
Treasury may share records of bonds over 3 years past final maturity with a State under an agreement (31 U.S.C. 3105(f); 89 FR 102735); none is publicly known as of November 11, 2026. See unclaimed savings bonds.
Other Issue Years and Face Values
Value tables for other issue years and face values are listed below. January to October 1982 issues share $293.80 per $100 with May to December 1981 issues; November and December issues share $280.32 with early 1983.
- 1981 Series EE savings bond value
- 1983 Series EE savings bond value
- 1984 Series EE savings bond value
- $50 savings bond worth (all years)
- $1,000 savings bond worth (all years)
- Banks that cash savings bonds
1982 Savings Bond FAQ
Did 1982 savings bonds pay 13.05% interest?
No: 13.05% is the 5-year Treasury yield that TreasuryDirect lists for November 1, 1982, an input to the market-based rate, not a rate any 1982 EE bond earned. The guaranteed minimums were 9% (January to October) and 7.5% (November, December); see the rate history.
How much is a 30 year old series EE bond worth?
Every 1982 Series EE bond is past 30 years: a $100 bond is worth $293.80 or $280.32 in November 2026, its final value since 2012. See the final maturity of savings bonds.
How much would a $100 savings bond from 1985 be worth today?
A $100 Series EE bond from 1985 is worth $230.64 in November 2026, in every issue month; it stopped earning in 2015. See the 1985 Series EE savings bond value.
Why is my $100 savings bond only worth $50?
A paper EE bond is worth less than face value in November 2026 only if it was issued May 2007 to December 2011 and is not yet 20 years old. A $100 bond from 2008 is worth $63.00 to $87.64 and reaches $100 in 2028; 1982 bonds passed face by 1992. See how much a $100 savings bond is worth.
Is it worth keeping EE bonds after 20 years?
A 1982 EE bond gains nothing by being kept: it stopped earning interest in 2012, and savings bonds never expire (Executive Order 13968, 85 FR 83745). See when to cash savings bonds.
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.