Every 1990 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 1990 bond cost half its face value, so it is worth 4.15 times its cost, and it stopped earning interest in 2020.
The figures come from Treasury's Savings Bonds Value Files, which change on the 1st of a month only for bonds still earning. The 1990 figures stay flat through May 2027.
Values for November 2026
How Much Is a 1990 Series EE Savings Bond Worth in November 2026?
A 1990 paper Series EE bond is worth $103.68 (a $50 bond) to $20,736.00 (a $10,000 bond, for every face value in 31 CFR 351.40) in November 2026, and January and December issues are worth the same.
Paper Series EE savings bonds come in 8 face values, and the face value, not the issue month, sets the value.
Table 1 lists every issue month and face value, with date columns that follow the rules of Series EE savings bonds by issue date.
Table 1: 1990 Series EE savings bond value by issue month and face value, November 2026. Every 1990 bond has stopped earning interest, so these values are final.
| Issue month | $50 | $75 | $100 | $200 | $500 | $1,000 | $5,000 | $10,000 | Original maturity | Stopped earning | Serial number needed for a lost-bond claim from |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Jan 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jan 1, 2002 | Jan 1, 2020 | Jan 1, 2026 |
| Feb 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Feb 1, 2002 | Feb 1, 2020 | Feb 1, 2026 |
| Mar 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Mar 1, 2002 | Mar 1, 2020 | Mar 1, 2026 |
| Apr 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Apr 1, 2002 | Apr 1, 2020 | Apr 1, 2026 |
| May 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | May 1, 2002 | May 1, 2020 | May 1, 2026 |
| Jun 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jun 1, 2002 | Jun 1, 2020 | Jun 1, 2026 |
| Jul 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jul 1, 2002 | Jul 1, 2020 | Jul 1, 2026 |
| Aug 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Aug 1, 2002 | Aug 1, 2020 | Aug 1, 2026 |
| Sep 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Sep 1, 2002 | Sep 1, 2020 | Sep 1, 2026 |
| Oct 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Oct 1, 2002 | Oct 1, 2020 | Oct 1, 2026 |
| Nov 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Nov 1, 2002 | Nov 1, 2020 | Nov 1, 2026 |
| Dec 1990 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Dec 1, 2002 | Dec 1, 2020 | Dec 1, 2026 |
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. The last column applies only to a claim for a lost, stolen or destroyed bond and is derived: final maturity plus six years (31 CFR 353.29(c)).
How Much Is a $100 or $50 Savings Bond From 1990 Worth?
A $100 Series EE savings bond from 1990 is worth $207.36 in November 2026, and a $50 bond is worth $103.68, whatever month of 1990 it was issued. The $100 bond cost $50, so $157.36 of its value is interest.
Why Every 1990 EE Bond Has Stopped Earning Interest
Every 1990 Series EE bond reached final maturity between January 1 and December 1, 2020, 30 years after its issue month, and has stopped earning interest (31 CFR 351.5). A 1990 bond has four dates:
- Issue: January to December 1990, at half of face value.
- Original maturity: 12 years later, January to December 2002.
- Extensions: 10 years to 2012 (derived), then 8 years (31 CFR 351.19).
- Final maturity: 30 years, January to December 2020.
Savings bonds never expire (Executive Order 13968, 85 FR 83745). See when savings bonds mature and stop earning interest for other series.
Why Every 1990 Issue Month Has the Same Value
Every 1990 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.
The block before it (March 1983 to October 1986) is priced at $57.66 per $25, and the block after it (March 1993 to April 1995) at $41.03.
Table 2: Where 1990 sits among EE issue months of 1983 to 1995, November 2026. Each block shares one value.
| Issue months | Months | $100 value, November 2026 | Guarantee and original maturity | Stopped earning | Year page |
|---|---|---|---|---|---|
| March 1983 to October 1986 | 44 | $230.64 | 7.5% guarantee, 10 years | Mar 2013 to Oct 2016 | 1985 Series EE savings bond value |
| November 1986 to February 1993 (includes all of 1990) | 76 | $207.36 | 6% guarantee, 12 years | Nov 2016 to Feb 2023 | 1992 Series EE savings bond value |
| March 1993 to April 1995 | 26 | $164.12 | 4% guarantee, 18 years | Mar 2023 to Apr 2025 | 1994 Series EE savings bond value |
| May to October 1995 | 6 | $123.56 | market rates, 6-month crediting, 17 years | May to Oct 2025 | 1995 Series EE savings bond value |
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.
Stopped-earning dates are 30 years after issue (31 CFR 351.5); maturity periods from 31 CFR 351.19 and rates from TreasuryDirect. January and February 1993 issues also belong to the 76-month block: 1993 Series EE savings bond value.
The 6% Guarantee and 12-Year Original Maturity of 1990 Bonds
1990 EE bonds carried a 6% guaranteed rate, for a 12-year original maturity, and earned the higher of that guaranteed value and a market-based value. The market-based rate was 85% of 6-month averages of 5-year Treasury yields (31 CFR 351.20 and 351.21; TreasuryDirect).
A bond reached face value, double its price, at 12 years in 2002, not at 20. See the savings bond interest rates by issue date for the rate history.
Why 1990 Sits in the Middle of a 76-Month Value Block
1990 shares its value with every issue month from November 1986 to February 1993 because 1990 issues are months 39 to 50 of that block, so neither edge touches the year.
November 1986 lines up with the start of the 6%, 12-year group (31 CFR 351.19; rates from TreasuryDirect), and March 1993 with the start of the 4%, 18-year group. Per $100, a 1990 bond is worth $23.28 less than a 1985 bond and $43.24 more than a 1994 bond.
How to Find the Exact Value of Your 1990 Savings Bond
Treasury prices a 1990 EE bond by its face value and issue month, and the serial number is not needed for the value. Our savings bond calculator, built on Treasury's published value files, does the same lookup. Follow five steps:
- Check that the bond says Series EE.
- Read the issue date (always the 1st of the month), as in how to read the issue date on a paper savings bond.
- Read the face value.
- Find that face value's column in Table 1.
- Check the as-of month.
Treasury's free TreasuryDirect calculator gives the same lookup.
Which Savings Bonds Were Issued in 1990: Series EE and Series HH
A savings bond issued in 1990 is one of 2 series: a Series EE bond (bought at half of face value, $50 to $10,000 across the face values in 31 CFR 351.40) or a Series HH bond (bought at face value, $500 to $10,000). Electronic EE began in 2002, so every 1990 EE bond is paper.
Table 3: Series EE and Series HH bonds issued in 1990.
| Attribute | Series EE (1990) | Series HH (1990) |
|---|---|---|
| Price | half of face value | face value |
| Face values | $50 to $10,000 (the 8 paper EE face values in 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 2020) | 20 years (stopped 2010, 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 1990 is neither. Sources: 31 CFR 351.40, 352.0 and 352.2; TreasuryDirect Series HH page, checked November 11, 2026.
Cashing a 1990 Savings Bond and Reporting Its Interest
A 1990 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 the cashing routes for paper bonds for the steps.
Banks may cash savings bonds but are not required to (FS Publication 0022, Rev. October 2022).
For the mail route, FS Form 1522 (Revised April 2026) needs no signature certification when the bonds total $1,000 or less in redemption value, such as nine $50 bonds ($933.12); sign it and enclose a copy of your driver's license, passport, state ID or military ID.
Above $1,000 (one $500 bond, or ten $50 bonds, is $1,036.80), a notary or certifying officer must certify your signature. Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150, with direct deposit. TreasuryDirect gave three months or longer on November 11, 2026.
Tax Year 2020 and the "Issued After 1989" Line on Form 8815
Interest on a 1990 bond that was never cashed was reportable for tax year 2020, 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 redemption value minus price, $157.36 on a $100 bond, and it is exempt from state and local income tax (31 U.S.C. 3124(a)). Ask a tax professional about a 2020 return that left it out; see federal tax on savings bond interest.
1990 is the first issue year covered by Form 8815, whose title reads "Issued After 1989". A 1990 bond meets the issue-date test and a December 1989 bond of the same value does not.
The owner must also have been 24 or older before the issue date (IRS Form 8815; the Form 8815 rules). Deferred interest on an inherited bond is income in respect of a decedent unless reported on the final return (26 U.S.C. 691); see who pays and when.
Lost 1990 Bonds and the Six-Year Serial Number Rule
A claim for a lost 1990 bond filed six years or more after its final maturity needs the bond's serial number (31 CFR 353.29(c)), and 1990 bonds reach that point between January 1 and December 1, 2026 (derived).
As of November 2026, January to November 1990 issues are past it; December 1990 issues reach it on December 1, 2026. The claim form is FS Form 1048 (Revised March 2026). See where the serial number is printed on the bond. Treasury Hunt has not been available since September 30, 2025.
Found or Inherited 1990 Bonds
The surviving "OR" co-owner or the POD beneficiary takes an inherited 1990 bond; otherwise it belongs to the estate (31 CFR 353.70). See inherited savings bonds for each case and what to do step by step with a found bond.
Treasury shares owner names and addresses with a State that has signed an information-sharing agreement once a bond is more than 3 years past final maturity (31 U.S.C. 3105(f)).
Every 1990 bond passed that point during 2023 (derived). No State is publicly known to have an agreement as of November 11, 2026 (89 FR 102735); see what States can receive.
Other Issue Years and Face Values
- 1989 Series EE savings bond value
- 1991 Series EE savings bond value
- 1988 Series EE savings bond value
- 1999 Series EE savings bond value
- $50 savings bond worth (all years)
- $100 savings bond worth (all years)
- banks that cash savings bonds
1990 Savings Bond FAQ
How much is a 30 year old $500 savings bond from 1990 worth?
A $500 Series EE bond from 1990 is worth $1,036.80 in November 2026, its final value, reached at 30 years during 2020. It cost $250. See $500 savings bond worth.
How much is a $1,000 savings bond from 1990 worth?
A $1,000 savings bond from 1990 is worth $2,073.60 in November 2026 in every issue month. A 1994 bond of the same face value is worth $1,641.20; see $1,000 savings bond worth.
Was a 1990 EE bond worth the same in 2022?
Yes: a 1990 EE bond has been worth $103.68 per $50 of face value in every month since its final maturity in 2020, so it was worth the same in 2022. Interest stopped in 2020 (31 CFR 351.5).
Did 1990 EE bonds double in value?
Yes, at 12 years: 1990 EE bonds reached at least their face value, double the purchase price, in 2002, and kept earning until 2020. The 20-year point applies only to EE bonds issued June 2003 and later.
Is a 1990 EE bond worth keeping after 20 years, or can it be cashed now?
A 1990 EE bond gains nothing by being kept: it stopped earning interest in 2020 and its value stays $103.68 per $50 of face value. The 3-month penalty covers only EE bonds issued May 1997 and later, and no deadline exists; see the timing rules for cashing.
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.