Every 1989 Series EE savings bond is worth $103.68 per $50 of face value in November 2026, whatever its issue month. That is $207.36 for a $100 bond and $2,073.60 for a $1,000 bond.
Each bond cost half of face (the amount printed on it), and all stopped earning interest during 2019, so the value no longer changes.
The values come from Treasury's Savings Bonds Value Files, where 1989 bonds stay flat from November 2026 to May 2027. A 1989 bond is also the last EE issue year outside the education exclusion.
Values for November 2026
How Much Is a 1989 Series EE Savings Bond Worth in November 2026?
A 1989 paper Series EE bond is worth $103.68 (a $50 bond) to $20,736.00 (a $10,000 bond) in November 2026, and January and December issues are worth the same. The face value, not the issue month, sets the amount.
Table 1 lists all 12 issue months. The rules of Series EE savings bonds by issue date are on our series page.
Table 1: 1989 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 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jan 1, 2001 | Jan 1, 2019 |
| February 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Feb 1, 2001 | Feb 1, 2019 |
| March 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Mar 1, 2001 | Mar 1, 2019 |
| April 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Apr 1, 2001 | Apr 1, 2019 |
| May 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | May 1, 2001 | May 1, 2019 |
| June 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jun 1, 2001 | Jun 1, 2019 |
| July 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jul 1, 2001 | Jul 1, 2019 |
| August 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Aug 1, 2001 | Aug 1, 2019 |
| September 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Sep 1, 2001 | Sep 1, 2019 |
| October 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Oct 1, 2001 | Oct 1, 2019 |
| November 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Nov 1, 2001 | Nov 1, 2019 |
| December 1989 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Dec 1, 2001 | Dec 1, 2019 |
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 1989 bond has stopped earning interest, so these values are final.
How Much Is a $50 or $100 Savings Bond From 1989 Worth?
A $50 savings bond from 1989 is worth $103.68 in November 2026, whatever month of 1989 it was issued, and a $100 bond is worth $207.36. Two $50 bonds are worth $207.36 together. A $100 bond cost $50 and is worth 4.15 times its price, which leaves $157.36 of interest.
Why Every 1989 EE Bond Has Stopped Earning Interest
Every 1989 Series EE bond reached final maturity, the date interest stops, between January 1 and December 1, 2019, 30 years after issue. Four dates (31 CFR 351.5) mark its life.
- Issue: January to December 1989
- Original maturity: 2001 (12 years)
- Extensions: 10 and 8 years (31 CFR 351.19)
- Final maturity: 2019 (30 years); interest stops
The value is fixed, yet a bond never expires (Executive Order 13968, 85 FR 83745); see how savings bonds mature and stop earning interest.
Why Every 1989 Issue Month Has the Same Value
Every 1989 issue month has the same value because the file prices all 76 issue months from November 1986 to February 1993 at one figure, $51.84 per $25 of face value.
The 1989 issues are months 27 to 38 of that block. The 44 months before it are priced at $57.66 and the 26 months after it at $41.03; per $100 bond that is $230.64, $207.36 and $164.12.
Table 2 shows the blocks and which of them can use the education exclusion.
Table 2: Where 1989 sits in the November 1986 to February 1993 value block, November 2026
| Issue months | Months | $100 value, November 2026 | Guarantee, original maturity | Stopped earning | Education exclusion bond test | Year page |
|---|---|---|---|---|---|---|
| March 1983 to October 1986 | 44 | $230.64 | 7.5%, 10 years | Mar 2013 to Oct 2016 | no | 1985 Series EE savings bond value |
| November and December 1986 | 2 | $207.36 | 6%, 12 years | Nov, Dec 2016 | no | none |
| January 1987 to December 1988 | 24 | $207.36 | 6%, 12 years | Jan 2017 to Dec 2018 | no | none |
| January to December 1989 | 12 | $207.36 | 6%, 12 years | Jan to Dec 2019 | no (issued before 1990) | this page |
| January to December 1990 | 12 | $207.36 | 6%, 12 years | Jan to Dec 2020 | yes, if the other tests are met | 1990 Series EE savings bond value |
| January to December 1991 | 12 | $207.36 | 6%, 12 years | Jan to Dec 2021 | yes, if the other tests are met | 1991 Series EE savings bond value |
| January 1992 to February 1993 | 14 | $207.36 | 6%, 12 years | Jan 2022 to Feb 2023 | yes, if the other tests are met | 1992 Series EE savings bond value |
| March 1993 to April 1995 | 26 | $164.12 | 4%, 18 years | Mar 2023 to Apr 2025 | yes, if the other tests are met | 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; the bond test is from 26 U.S.C. 135 and Form 8815 (2025), which also set age, registration, expense and income tests; 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 1989 Bonds
1989 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 entered in 2001 and 2011 carried a guaranteed minimum of 4%, or the minimum in effect at the start of the period, and the bond earned the higher of that and the market-based value (31 CFR 351.21). See the savings bond interest rates by issue date.
Why 1989 Bonds Share One Value With Bonds From November 1986 to February 1993
1989 bonds share one value with every bond issued from November 1986 to February 1993 because both edges of that block line up with a change in the issue terms.
In November 1986 the terms moved from 7.5% and 10 years to 6% and 12 years. In March 1993 they moved to 4% and 18 years (31 CFR 351.19). So 1987, 1988 and 1990 to 1992 bonds equal 1989, while 1986 and 1993 split.
How to Find the Exact Value of Your 1989 Savings Bond
Treasury prices a 1989 EE bond by face value and issue month; you do not need the serial number. Our savings bond calculator, built on Treasury's published value files, takes the same inputs. TreasuryDirect's Savings Bond Calculator is Treasury's free tool and does not check ownership.
- 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 in Table 1; any 1989 month gives the same row.
- Check the as-of month.
Which Savings Bonds Were Issued in 1989: Series EE and Series HH
A savings bond issued in 1989 is one of 2 series: a Series EE bond, bought at half of face for $50 to $10,000, or a Series HH bond, issued at face value in exchange for older bonds ($500 to $10,000).
Electronic EE bonds began in 2002, so every 1989 EE bond is paper. A 1989 HH bond stopped earning in 2009 (derived) and is worth face value.
Table 3: Series EE and Series HH bonds issued in 1989
| Attribute | Series EE (1989) | Series HH (1989) |
|---|---|---|
| Price | half of face | issued at face value, by exchange only (cash sales ended in 1982) |
| Face values | $50 to $10,000 (8 values, 31 CFR 351.40) | $500, $1,000, $5,000, $10,000 |
| Interest | added to the bond's value | paid to the owner (Series HH savings bonds) |
| Life | 30 years (stopped Jan to Dec 2019) | 20 years (stopped 2009, derived from 31 CFR 352.2) |
| Worth in November 2026 | Table 1 ($207.36 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 May 1997 and later only) | not applicable |
Series E bonds were sold until June 1980 and Series I bonds from September 1998; a bond dated 1989 is neither. Sources: 31 CFR 351.40, 352.0, 352.2; TreasuryDirect Series HH page (as of November 11, 2026).
Cashing a 1989 Savings Bond and Reporting Its Interest
A 1989 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 savings 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 only above $1,000. One $200 bond ($414.72) or two ($829.44) need only an ID copy; one $500 bond ($1,036.80) needs certification. Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150.
Treasury pays by direct deposit; cashing in your name takes 3 months or longer, and transactions not in your name (such as estates) 5 months or longer (TreasuryDirect, as of November 11, 2026). See cash by mail with FS Form 1522.
Tax Year 2019: When Interest on a 1989 Bond Was Reportable
Interest on a 1989 bond that was never cashed was reportable for tax year 2019, 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); 26 U.S.C. 454; IRS Publication 550).
Interest is value minus price ($157.36 per $100 bond) and is federally taxed only (31 U.S.C. 3124(a)). Ask a tax professional about a 2019 return that omitted it; see federal tax on savings bond interest.
Inherited deferred interest is income in respect of a decedent unless on the final return (26 U.S.C. 691); see taxes on inherited savings bonds.
Why 1989 Bonds Do Not Qualify for the Education Exclusion
A 1989 EE bond cannot use the education exclusion, because the exclusion covers only Series EE bonds issued after 1989 (and Series I bonds). That is the bond test of 26 U.S.C. 135 and Form 8815 (2025).
A January 1990 bond, also $207.36 per $100, can pass it, subject to the age, registration, same-year expense and income tests. The 76-month block splits 38 and 38 months there. For the other tests and the income limits, see the Education Savings Bond Program and Form 8815.
Lost, Found or Inherited 1989 Bonds
A lost 1989 bond is claimed with FS Form 1048 (Revised March 2026). Use the FS Form 1048 claim for lost savings bonds.
A claim 6 or more years after final maturity needs the serial number (31 CFR 353.29(c)), a point 1989 bonds passed during 2025 (derived); see where the serial number is printed. Treasury Hunt, a discontinued Treasury tool, closed in 2025.
The surviving "OR" co-owner or POD (payable-on-death) beneficiary takes the bond, else the estate (31 CFR 353.70); see savings bonds after death. Found one? Read what to do step by step.
Every 1989 bond has been more than 3 years past final maturity since December 2022 (derived), which makes it an applicable savings bond under 31 U.S.C. 3105(f)(6).
A State gets owners' names and addresses only under an information-sharing agreement with Treasury and only to locate owners; no State is publicly known to have one as of November 11, 2026 (89 FR 102735); see what States can receive.
Other Issue Years and Face Values
Other issue years have the same tables, for example $164.12 per $100 for 1994 issues.
- 1990 Series EE savings bond value
- 1985 Series EE savings bond value
- 1994 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
1989 Savings Bond FAQ
How much is a $500 savings bond from 1989 worth after 30 years?
A $500 Series EE bond from 1989 is worth $1,036.80 in November 2026, its final value, reached during 2019. Other years: $500 savings bond worth.
How much is a $1,000 savings bond from 1989 worth?
A $1,000 savings bond from 1989 is worth $2,073.60 in November 2026 in every issue month. It holds $1,573.60 of interest. Other years: $1,000 savings bond worth.
Is there a penalty for not cashing a matured 1989 EE bond?
No: Treasury sets no deadline and the bond does not expire, but a 1989 bond has earned nothing since 2019 (Executive Order 13968, 85 FR 83745). See final maturity of savings bonds.
What interest rate did a 1989 Series EE bond earn?
A 1989 Series EE bond was guaranteed 6% a year, compounded semiannually, for its first 12 years, and it earns no interest now. It reached at least face value at 12 years (2001), not 20.
How much is a savings bond from 1990 worth?
A 1990 Series EE bond is worth the same as a 1989 bond in November 2026: $103.68 per $50 and $207.36 per $100, in every issue month. Unlike a 1989 bond, it can pass the education bond test. See a savings bond from 1990.
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.