Every 1994 Series EE savings bond is worth $82.06 per $50 of face value in November 2026, whatever its issue month. A $100 bond is worth $164.12 and a $1,000 bond $1,641.20.
Each cost half of face value (the amount printed on the bond), so it is worth 3.28 times its cost. Every 1994 bond stopped earning in 2024, so the value is fixed.
The values come from Treasury's Savings Bonds Value Files, where 1994 stays the same in every month from November 2026 to May 2027.
Values for November 2026
How Much Is a 1994 Series EE Savings Bond Worth in November 2026?
A 1994 paper Series EE bond is worth $82.06 (a $50 bond) to $16,412.00 (a $10,000 bond) in November 2026, and January and December issues are worth the same. For 1994 the face value, not the month, sets the value.
Table 1 lists every issue month and face value. The rules of Series EE savings bonds by issue date are on our series page.
Table 1: 1994 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 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Jan 1, 2012 | Jan 1, 2024 |
| February 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Feb 1, 2012 | Feb 1, 2024 |
| March 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Mar 1, 2012 | Mar 1, 2024 |
| April 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Apr 1, 2012 | Apr 1, 2024 |
| May 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | May 1, 2012 | May 1, 2024 |
| June 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Jun 1, 2012 | Jun 1, 2024 |
| July 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Jul 1, 2012 | Jul 1, 2024 |
| August 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Aug 1, 2012 | Aug 1, 2024 |
| September 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Sep 1, 2012 | Sep 1, 2024 |
| October 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Oct 1, 2012 | Oct 1, 2024 |
| November 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Nov 1, 2012 | Nov 1, 2024 |
| December 1994 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Dec 1, 2012 | Dec 1, 2024 |
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 1994 bond has stopped earning interest, so these values are final.
How Much Is a $50 or $100 Savings Bond From 1994 Worth?
A $50 Series EE savings bond from 1994 is worth $82.06 in November 2026, and a $100 bond $164.12, whatever month of 1994 it was issued. The $100 bond cost $50, so it is worth $114.12 more than its price. That $164.12 is also its value after 30 years. No Series E bond was issued in 1994.
Why Every 1994 EE Bond Has Stopped Earning Interest
Every 1994 Series EE bond reached final maturity between January 1 and December 1, 2024, 30 years after its issue month, and has stopped earning interest. The four stages are listed below (31 CFR 351.5).
- Issue: January to December 1994, at half of face
- Original maturity: 18 years, January to December 2012
- Extensions: 10 years, then 2 years (31 CFR 351.19; January to December 2022, then 2024, derived)
- Final maturity: 30 years, January to December 2024, interest stops
A bond never expires, so you can cash it at any time (Executive Order 13968, 85 FR 83745). See when savings bonds mature and stop earning interest.
Why Every 1994 Issue Month Has the Same Value
Every 1994 issue month has the same value because the file prices all 26 issue months from March 1993 to April 1995 at one figure, $41.03 per $25 of face value.
The block before, November 1986 to February 1993, is worth $51.84 per $25, and the block after, May to October 1995, $30.89. For a $100 bond that is $207.36, $164.12 and $123.56. Table 2 shows the blocks and their terms.
Table 2: Where 1994 sits among EE issue months of 1986 to 1996, November 2026
| Issue months | Months | $100 value, November 2026 | Terms (guarantee or rate basis, original maturity) | Stopped earning | Year page |
|---|---|---|---|---|---|
| November 1986 to February 1993 | 76 | $207.36 | 6% guarantee, 12 years | Nov 2016 to Feb 2023 | 1992 Series EE savings bond value |
| March 1993 to April 1995 (includes all of 1994) | 26 | $164.12 | 4% guarantee, 18 years | Mar 2023 to Apr 2025 | 1993 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 |
| November 1995 to April 1996 | 6 | $125.24 | market rates, 6-month crediting, 17 years | Nov 2025 to Apr 2026 | 1996 Series EE savings bond value |
Stopped-earning dates are 30 years after issue (31 CFR 351.5); terms from 31 CFR 351.19 and 351.24.
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 4% Guarantee and 18-Year Original Maturity of 1994 Bonds
1994 EE bonds carried a 4% guaranteed rate, compounded semiannually, for an 18-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, 351.21; TreasuryDirect).
Eighteen years is the longest original maturity among EE bonds issued January 1980 to April 1995 (31 CFR 351.19). Every group's rate is in the savings bond interest rates by issue date.
Why the Shared Value Runs From March 1993 to April 1995
The shared value starts in March 1993 and ends in April 1995 because both edges line up with a change in the issue terms. March 1993 opened the 4%, 18-year group; February 1993 issues belong to the 6%, 12-year group (31 CFR 351.19).
May 1995 issues moved to the market-rate terms of 31 CFR 351.24. So a $100 1994 bond is worth $43.24 less than a 1992 bond and $40.56 more than a mid-1995 bond.
How to Find the Exact Value of Your 1994 Savings Bond
Treasury prices a 1994 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, takes the same inputs. Five steps follow.
- Check that the bond says Series EE.
- Read the issue date, always the 1st of a month (31 CFR 351.42): read the issue date on a paper savings bond.
- Read the face value.
- Find its column in Table 1.
- Check the as-of month.
TreasuryDirect's Savings Bond Calculator is a free Treasury tool for paper EE bonds; it does not check who owns a bond.
Which Savings Bonds Were Issued in 1994: Series EE and Series HH
A savings bond issued in 1994 is one of 2 series: a Series EE bond, bought at half of face, or a Series HH bond, issued at face value ($500 to $10,000) in exchange for older E or EE bonds.
Series E ended in June 1980 and Series I began in September 1998, so a 1994 bond is neither. Every 1994 EE bond is paper. A 1994 HH bond stopped earning in 2014 (20 years after issue, derived from 31 CFR 352.2) and is worth face value. Table 3 compares the two.
Table 3: Series EE and Series HH bonds issued in 1994
| Attribute | Series EE (1994) | Series HH (1994) |
|---|---|---|
| Price | half of face | face value |
| Face values | the paper EE face values in 31 CFR 351.40 ($50 to $10,000) | $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 2024) | 20 years (stopped 2014, derived from 31 CFR 352.2) |
| Worth in November 2026 | Table 1 ($164.12 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 1994 is neither. Sources: 31 CFR 351.40, 352.0, 352.2; TreasuryDirect Series HH page (as of November 11, 2026).
Cashing a 1994 Savings Bond and Reporting Its Interest
A 1994 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 bonds but need not (FS Publication 0022, Rev. October 2022); see how to cash savings bonds.
FS Form 1522 (Revised April 2026) needs no signature certification when the redemption value totals $1,000 or less: sign and enclose an ID copy. One $500 1994 bond ($820.60) fits. Above $1,000, as with one $1,000 bond ($1,641.20) or two $500 bonds, sign before a notary or certifying officer (an authorized witness).
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; direct-deposit payment takes 3 months or longer for bonds in your name (TreasuryDirect, November 11, 2026). The form is a free PDF from TreasuryDirect; the mail route is explained separately.
Tax Year 2024: When Interest on a 1994 Bond Was Reportable
Interest on a 1994 bond that was never cashed was reportable for tax year 2024, the year of its final maturity, unless the owner reported it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
Interest is the redemption value minus the price, $114.12 on a $100 bond, subject to federal income tax and exempt from state and local income tax (31 U.S.C. 3124(a)).
The rule names the year of cashing or final maturity, whichever came first (26 U.S.C. 454); ask a tax professional if a 2024 return left it out. See federal tax on savings bond interest.
The general rule for inherited bonds is covered in taxes on inherited savings bonds.
Lost, Found or Inherited 1994 Bonds
A lost 1994 bond is claimed with FS Form 1048 (Revised March 2026). A claim filed 6 years or more after final maturity needs the serial number (31 CFR 353.29(c)); 1994 bonds reach that point in 2030 (derived from the rule), so note where the serial number is printed. Treasury Hunt, a discontinued Treasury tool, has not been available since September 30, 2025.
The surviving "OR" co-owner or the POD (payable-on-death) beneficiary takes the bond, otherwise the estate (savings bonds after death). If you found a bond, read what to do step by step.
Under 31 U.S.C. 3105(f), Treasury can share owner records with a State under an information-sharing agreement once a bond is over 3 years past final maturity; 1994 bonds pass that point during 2027 (derived from the rule).
No State is publicly known to have one as of November 11, 2026 (the rule is 89 FR 102735); see what States can receive.
Other Issue Years and Face Values
Other years and face values are listed below.
- 1993 Series EE savings bond value
- 1995 Series EE savings bond value
- 1992 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
1994 Savings Bond FAQ
How much is a $500 savings bond from 1994 worth after 30 years?
A $500 Series EE bond from 1994 is worth $820.60 in November 2026, its final value, reached at 30 years during 2024. Other years: $500 savings bond worth.
How much is a $1,000 savings bond from 1994 worth?
A $1,000 savings bond from 1994 is worth $1,641.20 in November 2026 in every issue month. Cashing it by mail needs a notary or certifying officer, as its value is over $1,000. Other years: $1,000 savings bond worth.
Did 1994 EE bonds double in 20 years?
No: 1994 EE bonds reached at least their face value, double the purchase price, at 18 years (January to December 2012), not 20. The 20-year point applies only to EE bonds issued June 2003 and later.
How long did a 1994 $50 savings bond take to mature?
A 1994 $50 EE bond was worth at least $50 at original maturity, 18 years after issue (2012), and took 30 years to reach final maturity (2024), when it stopped at $82.06. Other issue periods are under final maturity of savings bonds.
How much is a $50 savings bond from 1999 worth today?
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 1994 bond ($82.06), as it has earned for fewer years under different terms. 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.