Every 1991 Series EE savings bond is worth $103.68 per $50 of face value (the amount printed on the bond) in November 2026, in all 12 issue months: $207.36 for a $100 bond and $2,073.60 for a $1,000 bond.
Bought at half of face value, each is worth 4.15 times its price. Every 1991 bond stopped earning interest in 2021, so the value no longer changes.
These values come from Treasury's Savings Bonds Value Files. 1991 values stay flat through May 2027.
Values for November 2026
How Much Is a 1991 Series EE Savings Bond Worth in November 2026?
A 1991 paper Series EE savings bond is worth $103.68 (a $50 bond) to $20,736.00 (a $10,000 bond) in November 2026, and a January 1991 bond is worth the same as a December 1991 bond. Paper EE bonds come in 8 face values; the face value, not the month, sets the value.
Table 1 lists all 12 issue months. The rules of Series EE savings bonds by issue date explain why the months match.
Table 1: What a 1991 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 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jan 1, 2003 | Jan 1, 2021 |
| February 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Feb 1, 2003 | Feb 1, 2021 |
| March 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Mar 1, 2003 | Mar 1, 2021 |
| April 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Apr 1, 2003 | Apr 1, 2021 |
| May 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | May 1, 2003 | May 1, 2021 |
| June 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jun 1, 2003 | Jun 1, 2021 |
| July 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jul 1, 2003 | Jul 1, 2021 |
| August 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Aug 1, 2003 | Aug 1, 2021 |
| September 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Sep 1, 2003 | Sep 1, 2021 |
| October 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Oct 1, 2003 | Oct 1, 2021 |
| November 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Nov 1, 2003 | Nov 1, 2021 |
| December 1991 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Dec 1, 2003 | Dec 1, 2021 |
Note: the table shows every paper EE face value in 31 CFR 351.40; your bond's face value is printed on it.
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 $100 Savings Bond From 1991 Be Worth Today?
A $100 Series EE savings bond from 1991 is worth $207.36 in November 2026, and a $50 bond $103.68, whatever month of 1991 it was issued. The $100 bond cost $50, so it holds $157.36 of interest. That is also its 30-year value, reached during 2021. Series E ended in June 1980, so a 1991 bond is EE or HH.
Why Every 1991 EE Bond Has Stopped Earning Interest
Every 1991 Series EE bond reached final maturity between January 1 and December 1, 2021, 30 years after its issue month, and has stopped earning interest (31 CFR 351.5).
- Issue: January to December 1991, at half of face
- Original maturity: 12 years, January to December 2003
- Extensions: 10 years to 2013, then 8 years (31 CFR 351.19; our calculation)
- Final maturity: 30 years, January to December 2021, interest stops
The value is fixed and the bond never expires (Executive Order 13968, 85 FR 83745). See when savings bonds mature and stop earning interest.
Why Every 1991 Issue Month Has the Same Value
Every 1991 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 (March 1983 to October 1986) is worth $57.66 per $25 and the block after (March 1993 to April 1995) $41.03: $230.64, $207.36 and $164.12 for a $100 bond.
Table 2 shows the blocks and their terms.
Table 2: Where 1991 sits among EE issue months of 1983 to 1995, November 2026
| Issue months | Months | $100 value, November 2026 | Guarantee and original maturity |
|---|---|---|---|
| March 1983 to October 1986 | 44 | $230.64 | 7.5%, 10 years |
| November 1986 to February 1993 (includes all of 1991) (1992) | 76 | $207.36 | 6%, 12 years |
| March 1993 to April 1995 | 26 | $164.12 | 4%, 18 years |
| May to October 1995 | 6 | $123.56 | market rates, 17 years |
Note: stopped-earning dates are 30 years after issue (31 CFR 351.5); terms from 31 CFR 351.19, 351.20 and 351.24. January and February 1993 issues also belong to the 1991 block: 1993 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 the face value divided by 25.
The 6% Guarantee and 12-Year Original Maturity of 1991 Bonds
1991 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 was 85% of 6-month averages of 5-year Treasury yields (31 CFR 351.20, 351.21; Treasury's page for EE bonds issued 1980 through April 1995).
Face value came in 2003, at 12 years. The extensions began after March 1, 1993, so the 4% minimum or the minimum then in effect applied, not 6% (31 CFR 351.21(a)(2)). See the savings bond interest rates by issue date.
Why a 1991 Bond Is Worth the Same as a 1987 or 1992 Bond
A 1991 bond is worth the same as a 1987 or 1992 bond because all three sit inside one value block whose edges line up with the issue-group boundaries of the 31 CFR 351.19 table.
November 1986 opened the 6%, 12-year group; October 1986 issues sit in the 7.5%, 10-year group. March 1993 opened the 4%, 18-year group. A 1991 bond is worth $23.28 less per $100 than a 1985 bond and $43.24 more than a 1994 bond.
How to Find the Exact Value of Your 1991 Savings Bond
Treasury prices a 1991 EE bond by its face value and issue month; the serial number is not needed to find the value. Our savings bond calculator, built on Treasury's published value files, prices paper EE bonds.
- Check that the bond says Series EE.
- Read the issue date on a paper savings bond: always the 1st.
- 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 for paper EE bonds.
Which Savings Bonds Were Issued in 1991: Series EE and Series HH
A savings bond issued in 1991 is one of 2 series: a Series EE bond (bought at half of face; face values of $50 to $10,000 under 31 CFR 351.40) or a Series HH bond (bought at face, $500 to $10,000).
Every 1991 EE bond is paper. A 1991 HH bond stopped earning in 2011 (our calculation) and is worth face value.
Table 3 compares the two series sold in 1991.
Table 3: Series EE and Series HH bonds issued in 1991
| Attribute | Series EE (1991) | Series HH (1991) |
|---|---|---|
| Price | Half of face | Face value |
| Face values | 31 CFR 351.40 lists $50 to $10,000 (your bond's face value is printed on it) | $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 January to December 2021) | 20 years (stopped 2011, our calculation 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 issued May 1997 and later only) | Not applicable |
Note: Series E bonds were sold until June 1980 and Series I bonds from September 1998, so a bond dated 1991 is neither. Patriot Bonds are Series EE bonds of December 2001 to December 2011.
Sources: 31 CFR 351.40, 352.0, 352.2; TreasuryDirect Series HH page (as of November 11, 2026).
Cashing a 1991 Savings Bond and Reporting Its Interest
A 1991 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 need not (FS Publication 0022, Rev. October 2022). On the form (PDF, TreasuryDirect, Revised April 2026), $1,000 or less in total needs an ID copy only: nine $50 bonds come to $933.12. One $500 bond ($1,036.80) needs a notary or certifying officer.
Mail to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; mail takes 3 months or longer for bonds in your name and 5 months or longer for bonds not in your name (TreasuryDirect, as of November 11, 2026). See cash by mail with FS Form 1522.
Tax Year 2021: When Interest on a 1991 Bond Was Reportable
Interest on a 1991 bond that was never cashed was reportable for tax year 2021, the year of its final maturity, unless the owner reported it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
That interest is $157.36 on a $100 bond and federal only (31 U.S.C. 3124(a)). See the federal tax on savings bond interest reporting rules. Ask a tax professional about a 2021 return that left it out.
Inherited bond interest is income in respect of a decedent unless the final return reported it (26 U.S.C. 691); see taxes on inherited savings bonds for who pays and when. 1991 issues meet Form 8815's "issued after 1989" test (IRC 135, Form 8815); whether the exclusion can apply to interest that was reportable in 2021 is a question for a tax professional. The education savings bond program page has the Form 8815 rules.
Lost 1991 Bonds: The Serial Number Becomes Required in 2027
From January 1, 2027, a claim for a lost January 1991 bond needs its serial number, and each later 1991 issue month follows on the 1st of its month, through December 1, 2027 (31 CFR 353.29(c): no claim 6 years or more after final maturity without it; our calculation).
Claim with FS Form 1048 (Revised March 2026), which is free: FS Form 1048 claim for lost, stolen or destroyed savings bonds. Treasury Hunt has been gone since September 30, 2025. If you hold the bond, a record or a copy, note the number now; the savings bond serial number is on the bond face.
Every 1991 bond passed the 3-year point of 31 U.S.C. 3105(f) during 2024 (our calculation), so Treasury may share owner names with a State under an agreement. No State is publicly known to have one as of November 11, 2026 (89 FR 102735). See SECURE 2.0 and savings bonds for what States can receive.
Inherited or Found 1991 Bonds
When the owner of a 1991 bond has died, the surviving "OR" co-owner or the POD (payable-on-death) beneficiary takes the bond; otherwise it belongs to the estate (31 CFR 353.70).
See savings bonds after death. A found 1991 bond is valued with Table 1 and cashed like any paper EE bond; see found old savings bonds for what to do step by step.
Other Issue Years and Face Values
Tables for neighboring issue years and each face value are listed below.
- 1992 Series EE savings bond value
- 1990 Series EE savings bond value
- 1989 Series EE savings bond value
- 1988 Series EE savings bond value
- 1987 Series EE savings bond value
- $50 savings bond worth (all years)
- $100 savings bond worth (all years)
- Banks that cash savings bonds
1991 Savings Bond FAQ
How much is a $500 savings bond from 1991 worth after 30 years?
A $500 Series EE bond from 1991 is worth $1,036.80 in November 2026, its final value, reached at 30 years during 2021. It cost $250. See the $500 savings bond worth for other years.
How much is a $1,000 savings bond from 1991 worth after 20 or 30 years?
A $1,000 savings bond from 1991 is worth $2,073.60 in November 2026, its 30-year final value, in every issue month. Its 2011 value is not in our data. See the $1,000 savings bond worth.
What was a 1991 EE savings bond worth in 2022?
A 1991 EE bond was worth $103.68 per $50 of face in 2022, the same as in November 2026, because every 1991 bond reached final maturity by December 1, 2021 and a stopped bond keeps its final value.
Did 1991 EE bonds double in value?
Yes, at 12 years: 1991 EE bonds reached at least their face value, double the purchase price, in 2003, and kept earning until 2021. The 20-year point applies only to EE issued June 2003 and later.
Is a 1991 EE bond worth keeping after 20 years?
A 1991 EE bond gains nothing by being kept: it stopped earning interest in 2021 and its value stays $103.68 per $50 of face. No early-cashing penalty or deadline applies; 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.