Every 1992 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.
Bought at half of face value, each is worth 4.15 times its price. Every one stopped earning interest in 2022, so the value no longer changes.
These values come from Treasury's Savings Bonds Value Files, which change on the 1st for bonds still earning. The file lists the same 1992 values through May 2027.
Values for November 2026
How Much Is a 1992 Series EE Savings Bond Worth in November 2026?
A 1992 paper Series EE savings bond is worth $103.68 per $50 of face value in November 2026, and a January issue is worth the same as a December issue. Table 1 shows the 8 paper EE face values in 31 CFR 351.40; 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 they match.
Table 1: What a 1992 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 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jan 1, 2004 | Jan 1, 2022 |
| February 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Feb 1, 2004 | Feb 1, 2022 |
| March 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Mar 1, 2004 | Mar 1, 2022 |
| April 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Apr 1, 2004 | Apr 1, 2022 |
| May 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | May 1, 2004 | May 1, 2022 |
| June 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jun 1, 2004 | Jun 1, 2022 |
| July 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Jul 1, 2004 | Jul 1, 2022 |
| August 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Aug 1, 2004 | Aug 1, 2022 |
| September 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Sep 1, 2004 | Sep 1, 2022 |
| October 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Oct 1, 2004 | Oct 1, 2022 |
| November 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Nov 1, 2004 | Nov 1, 2022 |
| December 1992 | $103.68 | $155.52 | $207.36 | $414.72 | $1,036.80 | $2,073.60 | $10,368.00 | $20,736.00 | Dec 1, 2004 | Dec 1, 2022 |
Note: the table shows every paper EE face value in 31 CFR 351.40; which existed in 1992 is not established.
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 Is a $100 or $50 Savings Bond From 1992 Worth?
A $100 Series EE savings bond from 1992 is worth $207.36 in November 2026, and a $50 bond $103.68, whatever month of 1992 it was issued. The $100 bond cost $50, so it holds $157.36 of interest. That is also its 30-year value, reached during 2022.
Why Every 1992 EE Bond Has Stopped Earning Interest
Every 1992 Series EE bond reached final maturity between January 1 and December 1, 2022, 30 years after its issue month, and has stopped earning interest (31 CFR 351.5). See 31 CFR Part 351.
- Issue: January to December 1992, at half of face
- Original maturity: 12 years, January to December 2004
- Extensions: 10 years to 2014, then 8 years (31 CFR 351.19; our calculation)
- Final maturity: 30 years, January to December 2022, interest stops
The value is fixed and the bond never expires. The rules on when savings bonds mature and stop earning interest differ by series.
Why Every 1992 Issue Month Has the Same Value
Every 1992 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 block before (March 1983 to October 1986) is worth $57.66 per $25 and the block after (March 1993 to April 1995) $41.03: for a $100 bond, $230.64, $207.36 and $164.12.
Table 2: Where 1992 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 1992) (1991) | 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 1992 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 1992 Bonds
1992 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). A 1992 bond reached face value, double its price, in 2004, at 12 years.
Its extension periods began after March 1, 1993, so the 4% minimum or the minimum in effect applied, not the 6% minimum (31 CFR 351.21(a)). See Treasury's page for EE bonds issued 1980 through April 1995 and savings bond interest rates by issue date.
Why the Shared Value Runs From November 1986 to February 1993
The shared value starts in November 1986 and ends in February 1993 because both 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. Per $100, a 1992 bond is worth $23.28 less than a 1985 bond and $43.24 more than a 1994 bond. We state only the match, not which rule set the value.
How to Find the Exact Value of Your 1992 Savings Bond
Treasury prices a 1992 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.
- Check that the bond says Series EE.
- Read the issue date on a paper savings bond: always the 1st (31 CFR 351.42).
- Read the face value.
- Find your face value in Table 1.
- Check the as-of month, November 2026.
TreasuryDirect's calculator is Treasury's free tool.
Which Savings Bonds Were Issued in 1992: Series EE and Series HH
A savings bond issued in 1992 is one of 2 series: a Series EE bond (bought at half of face) or a Series HH bond (issued at face value, by exchange only). Every 1992 EE bond is paper. A 1992 HH bond stopped earning in 2012 (our calculation).
Table 3 compares the two series issued in 1992.
Table 3: Series EE and Series HH bonds issued in 1992
| Attribute | Series EE (1992) | Series HH savings bonds (1992) |
|---|---|---|
| Price | Half of face | Face value, by exchange only (cash sales ended 1982) |
| Face values | Paper EE faces in 31 CFR 351.40: $50 to $10,000 (which existed in 1992 is not established) | $500, $1,000, $5,000, $10,000 |
| Interest | Added to the bond's value | Paid to the owner |
| Life | 30 years (stopped January to December 2022) | 20 years (stopped 2012, 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; a bond dated 1992 is neither.
Sources: 31 CFR 351.40, 352.0, 352.2, 352.7; TreasuryDirect Series HH page (as of November 11, 2026).
Cashing a 1992 Savings Bond and Reporting Its Interest
A 1992 paper EE bond is cashed at a bank that redeems savings bonds or by mail with FS Form 1522, and Treasury charges no fee. Banks may cash paper bonds but need not (FS Publication 0022, Rev. October 2022); see how to cash savings bonds.
On the form (PDF, TreasuryDirect, Revised April 2026), a request of $1,000 or less in total needs an ID copy only: nine $50 bonds come to $933.12.
Above $1,000, such as one $500 bond ($1,036.80), sign before a notary or certifying officer. Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; see cash by mail with FS Form 1522.
Tax Year 2022: When Interest on a 1992 Bond Was Reportable
An uncashed 1992 bond's interest was reportable for tax year 2022, the year of its final maturity, unless the owner reported it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550). That interest, $157.36 on a $100 bond, is exempt from state and local income tax (31 U.S.C. 3124(a)); see federal tax on savings bond interest.
Inherited bond interest is income in respect of a decedent unless reported on the final return (26 U.S.C. 691); see taxes on inherited savings bonds. 1992 bonds fall in the issue window of the education exclusion (IRC 135, Form 8815): EE issued after 1989.
Whether it applies after final maturity is not established; see the education savings bond program.
Lost, Found or Inherited 1992 Bonds
A lost 1992 bond is claimed with FS Form 1048 (Revised March 2026). The FS Form 1048 claim for lost, stolen or destroyed savings bonds is free.
Claims filed 6 years or more after final maturity need the serial number (31 CFR 353.29(c)); 1992 bonds reach that point from January to December 2028 (our calculation), so note the savings bond serial number now. Treasury Hunt has been unavailable since September 30, 2025.
A deceased owner's bond goes to the surviving "OR" co-owner or the POD (payable-on-death) beneficiary, else the estate; see savings bonds after death. For a bond just discovered, see found old savings bonds.
Every 1992 bond passed the 3-year point of 31 U.S.C. 3105(f) during 2025 (our calculation), so Treasury may share owner names with a State under an agreement. None is publicly known as of November 11, 2026 (89 FR 102735); see SECURE 2.0 and savings bonds.
Other Issue Years and Face Values
Value tables for other issue years and face values are listed below.
- 1991 Series EE savings bond value
- 1990 Series EE savings bond value
- 1989 Series EE savings bond value
- $50 savings bond worth (all years)
- $100 savings bond worth (all years)
- Banks that cash savings bonds
1992 Savings Bond FAQ
How much is a $500 savings bond from 1992 worth after 30 years?
A $500 Series EE bond from 1992 is worth $1,036.80 in November 2026, its final value, reached at 30 years during 2022. It cost $250. See the $500 savings bond worth.
How much is a $1,000 savings bond from 1992 worth?
A $1,000 savings bond from 1992 is worth $2,073.60 in November 2026 in every issue month. A 1994 bond of the same face is worth $1,641.20. See the $1,000 savings bond worth.
Did 1992 EE bonds double in value?
Yes, at 12 years: 1992 EE bonds reached face value, double the purchase price, in 2004, and kept earning until 2022. The 20-year point applies only to EE issued June 2003 and later.
Is a 1992 EE bond worth keeping after 20 years, or can it be cashed now?
A 1992 EE bond gains nothing by being kept: it stopped earning interest in 2022 and its value stays $103.68 per $50 of face. No early-cashing rule or deadline applies; see the timing rules for cashing.
How much is a 1999 Series EE bond worth?
A $50 Series EE bond from 1999 is worth $62.16 to $63.12 in November 2026, depending on its issue month, and still earns interest until 2029. That is less than a 1992 bond ($103.68). See the 1999 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.