A $50 Series EE savings bond issued in 1995 is worth $61.78 to $82.06 in November 2026, and a $100 bond $123.56 to $164.12, depending on the issue month.
January to April issues carry the higher value and May to December issues the lower, because new EE rules took effect on May 1, 1995. Every 1995 bond has stopped earning interest.
These values come from Treasury's Savings Bonds Value Files for redemption month November 2026.
Values for November 2026
How Much Is a 1995 Series EE Savings Bond Worth in November 2026?
A 1995 paper Series EE savings bond is worth $61.78 (a $50 bond, May to October issue) to $16,412.00 (a $10,000 bond, January to April issue) in November 2026.
Paper EE bonds sold for half of face value (the amount printed on the bond), so a $50 bond cost $25. The year has three value levels (January to April, May to October, November and December).
Table 1 lists every issue month. The rules of Series EE savings bonds by issue date explain the divider line between April and May.
Table 1: What a 1995 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 | Stopped earning |
|---|---|---|---|---|---|---|---|---|---|
| January 1995 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Jan 1, 2025 |
| February 1995 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Feb 1, 2025 |
| March 1995 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Mar 1, 2025 |
| April 1995 | $82.06 | $123.09 | $164.12 | $328.24 | $820.60 | $1,641.20 | $8,206.00 | $16,412.00 | Apr 1, 2025 |
| New EE rules from May 1, 1995 | |||||||||
| May 1995 | $61.78 | $92.67 | $123.56 | $247.12 | $617.80 | $1,235.60 | $6,178.00 | $12,356.00 | May 1, 2025 |
| June 1995 | $61.78 | $92.67 | $123.56 | $247.12 | $617.80 | $1,235.60 | $6,178.00 | $12,356.00 | Jun 1, 2025 |
| July 1995 | $61.78 | $92.67 | $123.56 | $247.12 | $617.80 | $1,235.60 | $6,178.00 | $12,356.00 | Jul 1, 2025 |
| August 1995 | $61.78 | $92.67 | $123.56 | $247.12 | $617.80 | $1,235.60 | $6,178.00 | $12,356.00 | Aug 1, 2025 |
| September 1995 | $61.78 | $92.67 | $123.56 | $247.12 | $617.80 | $1,235.60 | $6,178.00 | $12,356.00 | Sep 1, 2025 |
| October 1995 | $61.78 | $92.67 | $123.56 | $247.12 | $617.80 | $1,235.60 | $6,178.00 | $12,356.00 | Oct 1, 2025 |
| November 1995 | $62.62 | $93.93 | $125.24 | $250.48 | $626.20 | $1,252.40 | $6,262.00 | $12,524.00 | Nov 1, 2025 |
| December 1995 | $62.62 | $93.93 | $125.24 | $250.48 | $626.20 | $1,252.40 | $6,262.00 | $12,524.00 | Dec 1, 2025 |
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 Is a $50 or $100 Savings Bond From 1995 Worth?
A $50 savings bond from 1995 is worth $82.06 (January to April issues), $61.78 (May to October) or $62.62 (November and December) in November 2026. A $100 bond is worth $164.12, $123.56 or $125.24 for the same groups. The $50 bond cost $25.
Why Every 1995 EE Bond Has Stopped Earning Interest
Every 1995 Series EE bond reached final maturity between January 1 and December 1, 2025, 30 years after its issue month, and has stopped earning interest. Final maturity (31 CFR 351.5, in eCFR) is the stop date. Three stop periods follow.
- January to April 1995 issues: stopped January to April 2025
- May to October 1995 issues: stopped May to October 2025
- November and December 1995 issues: stopped November and December 2025
The value stays fixed (no change in the file through May 2027), and no deadline to cash exists (Executive Order 13968, 85 FR 83745). The rules on when savings bonds stop earning interest differ by series.
Why May 1995 Bonds Are Worth Less Than January to April 1995 Bonds
A May 1995 bond is worth less than an April 1995 bond because Treasury issued it under the rules for EE bonds issued May 1995 to April 1997, not the rules for bonds issued January 1980 to April 1995.
A $100 April 1995 bond is worth $164.12 in November 2026 and a $100 May 1995 bond $123.56: $40.56 or 24.7% less ($20.28 for a $50 bond). Both values are final (31 CFR 351.5).
Table 2 compares the rules for 1995 bonds issued before and after May 1, 1995.
Table 2: The two sets of rules behind 1995 EE bonds
| Attribute | January to April 1995 issues | May to December 1995 issues |
|---|---|---|
| Rules (TreasuryDirect page) | EE bonds issued January 1980 to April 1995 | EE bonds issued May 1995 to April 1997 |
| Price | Half of face | Half of face |
| How interest was set | Higher of a 4% guaranteed minimum (from year 5) or a market rate | Short-term rate for 5 years, then a long-term rate |
| When value rose | Monthly from month 3 to 60, then monthly or every 6 months | Every 6 months only |
| Original maturity | 18 years (January to April 2013) | 17 years (May to December 2012), worth at least face |
| Extensions | 10 years, then 2 years | One, 13 years |
| Final maturity (interest stops) | January to April 2025 | May to December 2025 |
| 3-month early-cash penalty | Never applied (EE issued May 1997 and later only) | Never applied |
| $100 bond, November 2026 | $164.12 | $123.56 (May to October), $125.24 (November, December) |
| Regulation | 31 CFR 351.19 to 351.23 | 31 CFR 351.24 to 351.28 |
Sources: TreasuryDirect EE pages "1980 through April 1995" and "May 1995 through April 1997"; 31 CFR Part 351 (eCFR, current as of November 9, 2026); Savings Bonds Value Files, November 2026.
January to April 1995 Issues: 4% Guaranteed Minimum, 18-Year Original Maturity
January to April 1995 bonds earned the higher of a 4% guaranteed minimum and a market-based rate, with an 18-year original maturity reached January to April 2013. Original maturity is when the guaranteed value reached face value.
The market-based rate was 85% of 6-month averages of 5-year Treasury yields. Treasury's rules for 1980 to April 1995 EE bonds allowed two extensions (10 and 2 years). Every issue from March 1993 to April 1995 reached $41.03 per $25 of face.
May to December 1995 Issues: Six-Month Credits, 17-Year Original Maturity
May to December 1995 bonds earned a short-term rate for 5 years, then a long-term rate, with interest added only every 6 months. The short-term rate was 85% of the 3-month average of 6-month Treasury securities rates, and the long-term rate 85% of the 6-month average of 5-year Treasury yields.
They reached original maturity after 17 years (May to December 2012), worth at least face, with one 13-year extension. Source: Treasury's May 1995 to April 1997 EE page.
Why November and December 1995 Issues Are Worth Slightly More
November and December 1995 bonds are worth $125.24 per $100, not $123.56, because they follow the same terms over a later 30-year span. Treasury announces rates each May 1 and November 1, for 6-month periods starting on or after that date, and does not state a reason for the step on its pages.
The value file shows one value for May to October 1995 issues and another for November 1995 to April 1996 issues. Every announced rate for these bonds is in the history of savings bond interest rates by issue date.
How to Find the Exact Value of Your 1995 Savings Bond
Treasury prices a 1995 EE bond by its face value and issue month, without the serial number. Our savings bond calculator, built on Treasury's published value files, prices a paper EE bond from its face value and issue date.
- Check that the bond says Series EE.
- Read the issue date on a paper savings bond: the month and year.
- Read the face value printed on the bond.
- Find the row in Table 1 and the column for your face value.
- Check the as-of month: November 2026.
TreasuryDirect's savings bond calculator is Treasury's free tool. Treasury's value files list a $25 unit, so a $100 January 1995 bond is four times $41.03, or $164.12.
How 1995 Values Compare With the Issue Months Around Them
1995 values sit on three levels that connect to the years around them. January to April 1995 issues equal every issue from March 1993 to December 1994 ($164.12 per $100 bond), and November and December 1995 issues equal January to April 1996 issues ($125.24).
Table 3: What a $100 EE bond issued March 1993 to December 1996 is worth in November 2026
| Issue months | $100 value | Status | Year page |
|---|---|---|---|
| March 1993 to December 1994 | $164.12 | Stopped 2023 to 2024 | 1994 Series EE bonds |
| January to April 1995 | $164.12 | Stopped 2025 | This page |
| May to October 1995 | $123.56 | Stopped 2025 | This page |
| November 1995 to April 1996 | $125.24 | Stopped Nov 2025 to Apr 2026 | 1996 Series EE bonds |
| May to October 1996 | $126.96 | Stopped May to Oct 2026 | 1996, above |
| November 1996 | $128.64 | Stopped Nov 1, 2026 | 1996, above |
| December 1996 | $126.60 | Reaches 30 years Dec 1, 2026 | 1996, above |
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.
Cashing a 1995 Savings Bond and Reporting Its Interest
A 1995 paper EE bond is cashed at a bank or by mail with FS Form 1522, and Treasury charges no fee. See how to cash savings bonds.
A bank may cash a paper bond but is not required to (FS Publication 0022, Rev. October 2022), and paper bonds are cashed whole.
FS Form 1522 (Revised April 2026, PDF from TreasuryDirect) needs no signature certification when the current redemption value totals $1,000 or less. A $500 bond issued January to April 1995, worth $820.60 in November 2026, needs only an ID copy.
Above $1,000, such as a 1995 $1,000 bond ($1,235.60 to $1,641.20), you sign before a notary or certifying officer.
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; requests for bonds in your name take 3 months or longer (TreasuryDirect, as of November 11, 2026). Details: cash by mail with FS Form 1522.
Tax Year 2025: When Interest on a 1995 Bond Is Reportable
Interest on a 1995 bond that was never cashed is reportable for tax year 2025, the year of its final maturity, unless the owner reported the interest every year (26 CFR 1.454-1(a)(1); IRS Publication 550).
The rule names the earlier of the cashing year or final maturity year, and every 1995 bond reached final maturity in 2025. Interest is the value minus the purchase price: $114.12 on a $100 January 1995 bond ($164.12 minus $50).
State and local income tax does not apply to the interest (31 U.S.C. 3124(a)), as federal tax on savings bond interest explains. A payer reports interest of $10 or more in box 3 of Form 1099-INT for savings bonds.
Lost, Found or Inherited 1995 Bonds, and 1995 HH Bonds
A lost 1995 bond is claimed with FS Form 1048, and from 2031 a claim needs the serial number.
A claim filed 6 years or more after final maturity needs it (31 CFR 353.29(c)), which for 1995 bonds means January to December 2031 (our calculation). The FS Form 1048 claim for lost, stolen or destroyed savings bonds is Rev. March 2026.
When an owner has died, the bond goes to the surviving "OR" co-owner or POD (payable-on-death) beneficiary, else the owner's estate (31 CFR 353.70(b)(1), (c)(1)). Heirs follow savings bonds after death; a bond you just discovered starts with found old savings bonds.
A 1995 bond that paid interest every 6 months is Series HH (face value $500 to $10,000, 20-year life), so a 1995 HH bond stopped earning in 2015 (our calculation). Only Treasury cashes Series HH savings bonds.
Other Issue Years and Face Values
Value tables for other issue years and face values are listed below. Every 1994 issue is worth $164.12 per $100 bond.
- 1994 Series EE savings bond value
- 1996 Series EE savings bond value
- 1997 Series EE savings bond value
- $50 savings bond worth (all years)
- $100 savings bond worth (all years)
- Banks that cash savings bonds
1995 Savings Bond FAQ
How much is a $100 savings bond from 1995 worth after 30 years?
A $100 savings bond from 1995 is worth $123.56 to $164.12 in November 2026, its final value, because every 1995 issue reached 30 years by December 1, 2025.
How much is a $1,000 savings bond from 1995 worth?
A $1,000 savings bond from 1995 is worth $1,641.20 (January to April issues), $1,235.60 (May to October) or $1,252.40 (November and December) in November 2026. It cost $500.
Did 1995 EE bonds double in 20 years?
No: 1995 EE bonds reached original maturity after 18 years (January to April issues) or 17 years (May to December issues), not 20. A 20-year original maturity applies only to EE bonds issued June 2003 and later (31 CFR 351.29, 351.34).
Is it worth keeping a 1995 EE bond?
A 1995 EE bond no longer earns interest, so keeping it does not raise its value. It can be cashed at any time (Executive Order 13968, 85 FR 83745). Timing rules for bonds that still earn are on when to cash savings bonds.
How much is a 1999 Series EE bond worth?
A $100 Series EE bond issued in 1999 is worth $124.32 to $126.24 in November 2026 and earns interest until its final maturity in 2029. Values of a 1999 Series EE savings bond differ by issue month.
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.