Every 1987 Series EE savings bond is worth $103.68 per $50 of face value in November 2026, in every issue month: $207.36 for a $100 bond and $2,073.60 for a $1,000 bond. A $100 bond cost $50, so it is worth 4.15 times its price, and every 1987 bond stopped earning interest during 2017.
Treasury's Savings Bonds Value Files change on the 1st of each month for earning bonds, but 1987 values stay flat from November 2026 to May 2027.
Values for November 2026
How Much Is a 1987 Series EE Savings Bond Worth in November 2026?
A 1987 paper Series EE bond is worth $103.68 per $50 of face value in November 2026, and January and December issues are worth the same. The face value (the amount printed on the bond), not the issue month, sets the value, and 31 CFR 351.40 lists 8 paper EE face values, $50 to $10,000.
Table 1 lists all 12 issue months; the Series EE savings bonds page holds the rules by issue date.
Table 1: 1987 Series EE savings bond value by issue month and face value, November 2026
| Issue month | $50 | $75 | $100 | $200 | $500 | $1,000 | $5,000 | $10,000 | Original maturity | Stopped earning |
|---|---|---|---|---|---|---|---|---|---|---|
| January 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jan 1, 1999 | Jan 1, 2017 |
| February 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Feb 1, 1999 | Feb 1, 2017 |
| March 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Mar 1, 1999 | Mar 1, 2017 |
| April 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Apr 1, 1999 | Apr 1, 2017 |
| May 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | May 1, 1999 | May 1, 2017 |
| June 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jun 1, 1999 | Jun 1, 2017 |
| July 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jul 1, 1999 | Jul 1, 2017 |
| August 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Aug 1, 1999 | Aug 1, 2017 |
| September 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Sep 1, 1999 | Sep 1, 2017 |
| October 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Oct 1, 1999 | Oct 1, 2017 |
| November 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Nov 1, 1999 | Nov 1, 2017 |
| December 1987 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Dec 1, 1999 | Dec 1, 2017 |
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.
Values are shown for every paper EE face value in 31 CFR 351.40; the face value is printed on your bond. Every 1987 bond has stopped earning interest, so these values are final.
How Much Is a $100 Savings Bond From 1987 Worth?
A $100 Series EE savings bond from 1987 is worth $207.36 in November 2026, whatever month of 1987 it was issued. It cost $50, so $157.36 is interest. The $207.36 is also its 30-year value, reached during 2017.
Why Every 1987 EE Bond Has Stopped Earning Interest
Every 1987 Series EE bond reached final maturity, the date interest stops, between January 1 and December 1, 2017, 30 years after issue. Four dates mark its life (31 CFR 351.5).
- Issue: January to December 1987
- Original maturity: 12 years, 1999, at least face value
- Extensions: 10 and 8 years (31 CFR 351.19)
- Final maturity: 30 years, during 2017
A bond never expires and has no cash deadline (Executive Order 13968, 85 FR 83745). See how savings bonds mature and stop earning interest.
Why Every 1987 Issue Month Has the Same Value
Every 1987 issue month has the same value because the value file prices all 76 issue months from November 1986 to February 1993 at one figure, $51.84 per $25 of face value. 1987 holds months 3 to 14 of that block.
The 44 months before it are priced at $57.66 and the 26 months after it at $41.03: $230.64, $207.36 and $164.12 per $100.
Table 2 shows the blocks around 1987.
Table 2: Where 1987 sits in the November 1986 to February 1993 value block, November 2026
| Issue months | Months | $100 value, November 2026 | Guarantee, original maturity | Stopped earning | Year page |
|---|---|---|---|---|---|
| March 1983 to October 1986 | 44 | $230.64 | 7.5%, 10 years | Mar 2013 to Oct 2016 | 1985 Series EE savings bond value |
| November and December 1986 | 2 | $207.36 | 6%, 12 years | Nov, Dec 2016 | 1986 Series EE savings bond value (the year that splits) |
| January to December 1987 | 12 | $207.36 | 6%, 12 years | Jan to Dec 2017 | this page |
| January to December 1988 | 12 | $207.36 | 6%, 12 years | Jan to Dec 2018 | 1988 Series EE savings bond value |
| January to December 1989 | 12 | $207.36 | 6%, 12 years | Jan to Dec 2019 | 1989 Series EE savings bond value |
| January to December 1990 | 12 | $207.36 | 6%, 12 years | Jan to Dec 2020 | 1990 Series EE savings bond value |
| January to December 1991 | 12 | $207.36 | 6%, 12 years | Jan to Dec 2021 | 1991 Series EE savings bond value |
| January 1992 to February 1993 | 14 | $207.36 | 6%, 12 years | Jan 2022 to Feb 2023 | 1992 Series EE savings bond value |
| March 1993 to April 1995 | 26 | $164.12 | 4%, 18 years | Mar 2023 to Apr 2025 | 1994 Series EE savings bond value |
Stopped-earning dates are 30 years after issue (31 CFR 351.5); terms from 31 CFR 351.19 and TreasuryDirect; month counts are our count of the value file.
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.
The 6% Guarantee and 12-Year Original Maturity of 1987 Bonds
1987 EE bonds carried a 6% guaranteed rate, compounded semiannually, for a 12-year original maturity, and earned the higher of that guaranteed value and a market-based value. The market-based value is 85% of 6-month averages of 5-year Treasury yields (31 CFR 351.20; TreasuryDirect).
Extensions began in 1999 and 2009 (derived), so 31 CFR 351.21(a)(2) applies: 4% or the minimum in effect at the start of the period. See the savings bond interest rates by issue date.
1987: The First Full Year of the November 1986 Issue Terms
1987 is the first calendar year in which every EE bond sold carried the terms that began November 1, 1986: 6% and a 12-year original maturity, replacing 7.5% and 10 years (31 CFR 351.19; TreasuryDirect).
So 1987 equals 1988 to 1992, while 1986 and 1993 split.
How to Find the Exact Value of Your 1987 Savings Bond
Treasury prices a 1987 EE bond by its face value and issue month; you do not need the serial number. Our savings bond calculator, built on Treasury's published value files, takes both. Five steps give the exact value.
- 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's column in Table 1; any 1987 month gives the same row.
- Check the as-of month.
A 1987 bond is printed on punch card or machine-readable stock (31 CFR Part 321, Appendix), so its layout may differ from Treasury's diagram of a 2005 bond.
TreasuryDirect's Savings Bond Calculator is Treasury's free tool and shows past months back to January 1996.
Savings Bonds Issued in 1987 Versus Bonds That Matured in 1987
A bond issued in 1987 is one of 2 series: Series EE (half of face) or Series HH (face value, in 1987 only in exchange for older bonds). Series E ended in June 1980, Series I began in September 1998 and electronic EE in 2002, so every 1987 EE bond is paper.
Two older groups reached final maturity in 1987: Series E of 1947 ($493.52 to $525.64 per $100 in November 2026) and Series H of February to December 1957 (face value).
Table 3 separates them.
Table 3: Savings bonds issued in 1987 and savings bonds that stopped earning in 1987
| Bond | Issued | Price | Stopped earning | Worth in November 2026 | Source |
|---|---|---|---|---|---|
| Series EE, issued 1987 | Jan to Dec 1987, bought for cash | half of face; faces per 31 CFR 351.40 | Jan 1 to Dec 1, 2017 (30 years) | Table 1 ($207.36 per $100) | 31 CFR 351.5, 351.40; Value Files |
| Series HH savings bonds, issued 1987 | only in exchange for older bonds such as E or EE (cash sales ended in 1982, TreasuryDirect timeline; exchange rule 31 CFR 352.7) | face; $500, $1,000, $5,000, $10,000 | 2007, 20 years: 10 + one 10-year extension (derived, 31 CFR 352.2(c)) | face value; the first 10 years paid 6% a year, semiannually (31 CFR 352.2(e)(1)) | 31 CFR 352.2, 352.7; TreasuryDirect HH page and timeline |
| 1947 Series E savings bond value, issued 1947 | Jan to Dec 1947 | 75% of face | Jan to Dec 1987 (40 years) | $493.52 to $525.64 per $100 | 31 CFR 316.8(b); Value Files |
| Series H savings bonds, issued Feb to Dec 1957 | Feb to Dec 1957 | face | Feb to Dec 1987 (30 years, derived from the Feb 1957 to Dec 1979 group) | face value | 31 CFR Part 332; TreasuryDirect timeline |
Series E bonds were sold until June 1980 and Series I bonds from September 1998, so no E or I bond carries a 1987 issue date.
How to Redeem a 1987 EE Bond and Report Its Interest
A 1987 paper EE bond is redeemed at a bank that cashes savings bonds or by mail with FS Form 1522, and Treasury charges no fee. See how to cash savings bonds. Banks may cash bonds but need not (FS Publication 0022, Rev. October 2022).
FS Form 1522 (Revised April 2026, PDF from TreasuryDirect) needs a notary or certifying officer (a person authorized to confirm your signature) only above $1,000; otherwise enclose an ID copy. Nine $50 bonds ($933.12) need only the copy; ten $50 bonds or one $500 bond ($1,036.80) need certification.
Mail to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; payment takes 3 months or longer (TreasuryDirect, November 11, 2026). Full steps: cash by mail with FS Form 1522.
Tax Year 2017: When Interest on a 1987 Bond Was Reportable
Interest on a 1987 bond that was never cashed was reportable for tax year 2017, the year of its final maturity, unless the owner reported it yearly. The rule names the year of cashing or final maturity, whichever came first (26 CFR 1.454-1(a)(1); IRS Publication 550).
It is exempt from state tax (31 U.S.C. 3124(a)). Ask a tax professional about a 2017 return that left it out; see federal tax on savings bond interest.
If the owner died before the final maturity in 2017, unreported interest is income in respect of a decedent, taxed to the heir unless the personal representative or surviving spouse elected to report it on the final return (26 U.S.C. 691); if the owner died after 2017, the interest was reportable for 2017 on the owner's return.
See taxes on inherited savings bonds. The education exclusion needs an EE bond issued after 1989, so 1987 bonds fail it (26 U.S.C. 135; Form 8815 (2025)); see the Education Savings Bond Program and Form 8815.
Lost, Found or Inherited 1987 Bonds
A lost 1987 bond is claimed with FS Form 1048 (Revised March 2026), and the rule requires the bond's serial number.
Use the FS Form 1048 claim for lost savings bonds. 31 CFR 353.29(c) requires it 6 or more years after final maturity, reached during 2023 (derived); see the savings bond serial number. Treasury Hunt, a discontinued Treasury tool, ended September 30, 2025.
The surviving "OR" co-owner or POD (payable-on-death) beneficiary takes the bond, else the estate (31 CFR 353.70). Estates take 5 months or longer (TreasuryDirect, November 11, 2026); see savings bonds after death. Also see found old savings bonds.
By December 1, 2020, every 1987 bond was 3 or more years past final maturity (derived), before 31 U.S.C. 3105(f) was enacted on December 29, 2022. A State gets owners' names only under an information-sharing agreement; none is known as of November 11, 2026 (89 FR 102735). See SECURE 2.0 and savings bonds.
Other Issue Years and Face Values
Other issue years and face values have the same tables.
- 1986 Series EE savings bond value
- 1988 Series EE savings bond value
- $50 savings bond worth, all years
- $100 savings bond worth, all years
- Banks that cash savings bonds
- When to cash savings bonds
1987 Savings Bond FAQ
Were 1987 EE savings bonds sold at face value?
No: a 1987 paper EE bond was sold for half of its face value, $25 for a $50 bond and $50 for a $100 bond. It reached face at 12 years, in 1999.
How much is a $1,000 savings bond from 1987 worth after 20 years?
A $1,000 Series EE bond from 1987 is worth $2,073.60 in November 2026, in every issue month. The 2007 value at 20 years is not in the current value files; TreasuryDirect's calculator shows past months back to January 1996. The bond stopped earning at 30 years in 2017. Other years: $1,000 savings bond worth.
Is a 1987 EE bond still worth keeping after 30 years?
A 1987 EE bond has earned nothing since its final maturity in 2017, and Treasury sets no deadline to cash it. It does not expire (Executive Order 13968, 85 FR 83745); its interest was reportable for tax year 2017. See final maturity of savings bonds.
How much is a $5,000 savings bond from 1987 worth after 30 years?
A $5,000 Series EE bond from 1987 is worth $10,368.00 in November 2026, its final 30-year value. It cost $2,500; $7,868.00 is interest. Other years: $5,000 savings bond worth.
How much is a savings bond from 1986 worth?
A 1986 Series EE bond is worth $207.36 per $100 in November 2026 if issued in November or December 1986, the same as a 1987 bond, and $230.64 per $100 if issued January to October 1986. See a savings bond from 1986.
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.