Every 1984 Series EE savings bond is worth $115.32 per $50 of face value in November 2026, in every issue month: $230.64 for a $100 bond and $2,306.40 for a $1,000 bond. Bought at half of face value, every one stopped earning interest in 2014, so its value no longer changes.
These values come from Treasury's Savings Bonds Value Files, which change on the 1st for bonds still earning. The 1984 values hold from November 2026 to May 2027.
Values for November 2026
How Much Is a 1984 Series EE Savings Bond Worth in November 2026?
A 1984 paper Series EE savings bond is worth $115.32 (a $50 bond) to $23,064.00 (a $10,000 bond) in November 2026, and a January bond is worth exactly what a December bond is worth. The regulation lists 8 paper EE face values (31 CFR 351.40).
Table 1 lists all 12 issue months. The hub explains how Series EE savings bonds work by issue date.
Table 1: What a 1984 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 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Jan 1, 1994 | Jan 1, 2014 |
| February 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Feb 1, 1994 | Feb 1, 2014 |
| March 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Mar 1, 1994 | Mar 1, 2014 |
| April 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Apr 1, 1994 | Apr 1, 2014 |
| May 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | May 1, 1994 | May 1, 2014 |
| June 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Jun 1, 1994 | Jun 1, 2014 |
| July 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Jul 1, 1994 | Jul 1, 2014 |
| August 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Aug 1, 1994 | Aug 1, 2014 |
| September 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Sep 1, 1994 | Sep 1, 2014 |
| October 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Oct 1, 1994 | Oct 1, 2014 |
| November 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Nov 1, 1994 | Nov 1, 2014 |
| December 1984 | $115.32 | $172.98 | $230.64 | $461.28 | $1,153.20 | $2,306.40 | $11,532.00 | $23,064.00 | Dec 1, 1994 | Dec 1, 2014 |
Note: the table shows every paper EE face value in 31 CFR 351.40; your bond's face value is printed on it. Every 1984 bond has stopped earning interest, so 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 the face value divided by 25.
How Much Would a $50 or $100 Savings Bond From 1984 Be Worth Today?
A $100 Series EE savings bond from 1984 is worth $230.64 in November 2026, and a $50 bond $115.32, whatever month of 1984 it was issued. The $100 bond cost $50, so it is worth 4.6 times its price. A "February 1984" value found elsewhere applies to all 12 months.
Why Every 1984 EE Bond Has Stopped Earning Interest
Every 1984 Series EE bond reached final maturity between January 1 and December 1, 2014, 30 years after its issue month, and has earned no interest since (31 CFR 351.5). Original maturity is the end of the first guaranteed period. Four dates mark a 1984 bond, listed below.
- Issue: January to December 1984, at half of face value
- Original maturity: 10 years, January to December 1994
- Extended maturity: from 1994 to final maturity
- Final maturity: 30 years, January to December 2014, when interest stops
A $50 bond from 1984 took 10 years to reach original maturity, not 20. The rules on when savings bonds mature and stop earning interest differ by series.
Is a 1984 EE Bond Worth More or Less Than Bonds From 1982 to 1987?
A 1984 EE bond is worth less than a 1982 bond, the same as a 1985 bond and more than a 1987 bond. Per $100 in November 2026, 1982 bonds are worth $293.80 or $280.32, 1984 bonds $230.64, and bonds from November 1986 and 1987 $207.36.
The gaps follow the guarantee and original maturity of each issue period. Table 2 compares a $100 bond from 1984 with the years on either side.
Table 2: 1984 compared with Series EE issue years 1982 to 1987, November 2026
| Issue year | Issue months | $100 value, November 2026 | Guarantee and original maturity | Stopped earning | Year page |
|---|---|---|---|---|---|
| 1982 | January to October | $293.80 | 9%, 8 years | Jan to Oct 2012 | 1982 Series EE savings bond value |
| 1982 | November, December | $280.32 | 7.5%, 10 years | Nov, Dec 2012 | |
| 1983 | January, February | $280.32 | 7.5%, 10 years | Jan, Feb 2013 | 1983 Series EE savings bond value |
| 1983 | March to December | $230.64 | 7.5%, 10 years | Mar to Dec 2013 | |
| 1984 | January to December | $230.64 | 7.5%, 10 years | Jan to Dec 2014 | This page |
| 1985 | January to December | $230.64 | 7.5%, 10 years | Jan to Dec 2015 | 1985 Series EE savings bond value |
| 1986 | January to October | $230.64 | 7.5%, 10 years | Jan to Oct 2016 | 1986 Series EE savings bond value |
| 1986 | November, December | $207.36 | 6%, 12 years | Nov, Dec 2016 | |
| 1987 | January to December | $207.36 | 6%, 12 years | Jan to Dec 2017 | 1987 Series EE savings bond value |
Note: equal values across years come from Treasury's file: every issue month from March 1983 to October 1986 (44 months) is worth $57.66 per $25 of face value. Guarantees and original maturity from 31 CFR 351.19.
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.
The 7.5% Guarantee, 10-Year Original Maturity and 1994 Extension of 1984 Bonds
1984 EE bonds carried a 7.5% guaranteed rate, compounded semiannually, for a 10-year original maturity, and earned the higher of that guaranteed value and a market-based value. The market-based value was 85% of 6-month averages of 5-year Treasury yields (31 CFR 351.20; Treasury's EE page for 1980 through April 1995).
At original maturity in 1994, each bond was worth at least double its price, which for a paper bond is face value. Its extension began that year under a minimum of 4% or the minimum then in effect (31 CFR 351.21(a)(2)). See savings bond interest rates by issue date.
Why the Issue Month Does Not Change a 1984 Bond's Value
The issue month does not matter because Treasury's file prices all 44 issue months from March 1983 to October 1986 at $57.66 per $25 of face value. Only 1984 and 1985 are full calendar years inside that span.
The edges line up with two rule dates. Bonds issued before March 1983 entered their extension before March 1, 1993, under the 6% minimum. November 1986 issues moved to a 6% guarantee and a 12-year original maturity (31 CFR 351.19).
How to Find the Exact Value of Your 1984 Savings Bond
Treasury prices a 1984 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 a paper EE bond from them.
- Check that the bond says Series EE.
- Read the issue date on a paper savings bond: month and year, always the 1st (31 CFR 351.42).
- Read the face value.
- Find your face value column in Table 1.
- Check the as-of month, November 2026.
TreasuryDirect's calculator is Treasury's free tool and shows values back to January 1996.
Which Savings Bonds Were Issued in 1984: Series EE and Series HH
A savings bond dated 1984 is one of 2 series: a Series EE bond (bought at half of face value) or a Series HH bond (issued at face value).
Series HH cash sales ended in 1982 (TreasuryDirect savings bond timeline), so a 1984 HH bond came in exchange for older bonds (Series E, EE or Savings Notes) or by reinvesting matured H or HH bonds (31 CFR 352.7, 352.8).
It paid 7.5% interest to its owner during its original maturity (31 CFR 352.2(e)(1)), stopped in 2004 (our calculation), is worth face value and is cashed only by Treasury.
Table 3 compares the two savings bond series issued in 1984.
Table 3: Series EE and Series HH bonds issued in 1984
| Attribute | Series EE (1984) | Series HH savings bonds (1984) |
|---|---|---|
| How it was obtained | Bought for cash at half of face value | In exchange for older bonds or by reinvesting matured H or HH bonds (HH cash sales ended in 1982) |
| Face values | Paper EE face values listed in 31 CFR 351.40 ($50 to $10,000); the face value is printed on the bond | $500, $1,000, $5,000, $10,000 |
| Interest | Added to the bond's value; 7.5% guaranteed for 10 years | Paid to the owner; 7.5% a year during original maturity |
| Life | 30 years (stopped January to December 2014) | 20 years (stopped 2004, our calculation from 31 CFR 352.2) |
| Worth in November 2026 | Table 1 ($230.64 per $100) | Face value |
| 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 |
| 3-month early-cash penalty | Never applied (EE issued May 1997 and later only) | Not applicable |
Note: Series E bonds were sold until June 1980; a bond dated 1984 is not Series E.
Sources: 31 CFR Part 352; 31 CFR 351.40; TreasuryDirect Series HH page and savings bond timeline (as of November 11, 2026).
Cashing a 1984 Savings Bond and Reporting Its Interest
A 1984 paper EE bond is cashed at a bank that redeems savings bonds or by mail with FS Form 1522, and Treasury charges no fee. See how to cash savings bonds. Banks may cash paper bonds but are not required to (FS Publication 0022, Rev. October 2022).
On the form (PDF, TreasuryDirect, Revised April 2026), a request totaling $1,000 or less needs no certification. Four $100 bonds ($922.56) need only an ID copy. Five ($1,153.20) or one $500 bond ($1,153.20) need a notary or certifying officer.
Mail the form to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150. Treasury says 3 months or longer for bonds in your name (as of November 11, 2026). Details: cash by mail with FS Form 1522.
Tax Year 2014: When Interest on a 1984 Bond Was Reportable
Interest on a 1984 bond that was never cashed was reportable for tax year 2014, the year of its final maturity, unless the owner reported it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550). The interest on a $100 bond is $180.64, its value minus its price.
It is exempt from state and local income tax (31 U.S.C. 3124(a)); see federal tax on savings bond interest. Ask a tax professional about a missed year.
If the owner died before the bond's final maturity in 2014, interest earned before death is income in respect of a decedent unless it was reported on the final return (26 U.S.C. 691); see taxes on inherited savings bonds.
Lost, Found or Inherited 1984 Bonds
A lost 1984 bond is claimed with FS Form 1048 (Revised March 2026), and the claim needs the bond's serial number. Claims filed 6 years or more after final maturity need the serial number (31 CFR 353.29(c)); 1984 bonds passed that point in 2020 (our calculation).
The FS Form 1048 claim for lost, stolen or destroyed savings bonds is free, and the savings bond serial number is printed on the bond. Treasury Hunt has not been available since September 30, 2025.
A deceased owner's bond goes to the surviving co-owner or the payable-on-death beneficiary, else the estate (31 CFR 353.70(b)(1), (c)(1)); see savings bonds after death. A bond just discovered: found old savings bonds.
Every 1984 bond has been over 3 years past final maturity since 2017 (our calculation), so 31 U.S.C. 3105(f) requires Treasury to share owner records with States, and 31 CFR 323.11 limits that to a State that has an agreement (89 FR 102735). None is publicly known as of November 11, 2026; see unclaimed savings bonds.
Other Issue Years and Face Values
Value pages for other issue years and face values are listed below, with the banks that cash savings bonds.
- 1980 Series EE savings bond value
- 1994 Series EE savings bond value
- $50 savings bond worth (all years)
- $100 savings bond worth (all years)
- $1,000 savings bond worth (all years)
- Banks that cash savings bonds
1984 Savings Bond FAQ
How much is a $1,000 savings bond from 1984 worth?
A $1,000 savings bond from 1984 is worth $2,306.40 in November 2026 in every issue month. It cost $500; cashing it by mail needs a notary or certifying officer.
What was a 1984 EE savings bond worth in 2022?
A 1984 EE bond was worth the same in 2022 as in November 2026, $230.64 per $100 of face value, because it stopped earning interest in 2014 (31 CFR 351.5). Our tables show November 2026; the values stay the same through May 2027, the last month in Treasury's current file.
How much is a savings bond worth when it matures?
A 1984 EE bond was worth at least its face value at original maturity in 1994, and $230.64 per $100 at final maturity in 2014. The 20-year point applies only to EE bonds issued June 2003 and later: see final maturity of savings bonds.
Why is my $100 savings bond only worth $50?
A $100 paper EE bond worth less than $100 was issued May 2007 to December 2011 and has not yet reached its 20-year face step, because paper EE bonds cost half of face value. A 1984 $100 bond is worth $230.64; see the $100 savings bond worth.
How much is a $100 bond from 1994 worth today?
A $100 Series EE bond from 1994 is worth $164.12 in November 2026, in every 1994 issue month, and it stopped earning in 2024. See the 1994 Series EE savings bond value.
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.