A $50 Series EE savings bond issued in 1999 is worth $62.16 to $63.12 in November 2026, and a $100 bond $124.32 to $126.24, depending on the issue month. Every 1999 EE bond still earns interest and stops between January 1 and December 1, 2029.
The values come from Treasury's Savings Bonds Value Files for redemption month November 2026 and change on the 1st of each month.
Values for November 2026
How Much Is a 1999 Series EE Savings Bond Worth in November 2026?
A 1999 paper Series EE savings bond is worth $62.16 (a $50 bond issued October 1999) to $12,624.00 (a $10,000 bond issued January 1999) in November 2026. Paper EE bonds sold for half of face value (the amount printed on the bond), so every 1999 bond is above face.
The rules of Series EE savings bonds cover every issue period, and one rule set covers all of 1999.
Table 1: What a 1999 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 | Stops earning |
|---|---|---|---|---|---|---|---|---|---|
| January 1999 | $63.12 | $94.68 | $126.24 | $252.48 | $631.20 | $1,262.40 | $6,312.00 | $12,624.00 | Jan 1, 2029 |
| February 1999 | $62.94 | $94.41 | $125.88 | $251.76 | $629.40 | $1,258.80 | $6,294.00 | $12,588.00 | Feb 1, 2029 |
| March 1999 | $62.78 | $94.17 | $125.56 | $251.12 | $627.80 | $1,255.60 | $6,278.00 | $12,556.00 | Mar 1, 2029 |
| April 1999 | $62.60 | $93.90 | $125.20 | $250.40 | $626.00 | $1,252.00 | $6,260.00 | $12,520.00 | Apr 1, 2029 |
| May 1999 | $63.04 | $94.56 | $126.08 | $252.16 | $630.40 | $1,260.80 | $6,304.00 | $12,608.00 | May 1, 2029 |
| June 1999 | $62.86 | $94.29 | $125.72 | $251.44 | $628.60 | $1,257.20 | $6,286.00 | $12,572.00 | Jun 1, 2029 |
| July 1999 | $62.68 | $94.02 | $125.36 | $250.72 | $626.80 | $1,253.60 | $6,268.00 | $12,536.00 | Jul 1, 2029 |
| August 1999 | $62.50 | $93.75 | $125.00 | $250.00 | $625.00 | $1,250.00 | $6,250.00 | $12,500.00 | Aug 1, 2029 |
| September 1999 | $62.32 | $93.48 | $124.64 | $249.28 | $623.20 | $1,246.40 | $6,232.00 | $12,464.00 | Sep 1, 2029 |
| October 1999 | $62.16 | $93.24 | $124.32 | $248.64 | $621.60 | $1,243.20 | $6,216.00 | $12,432.00 | Oct 1, 2029 |
| November 1999 | $62.66 | $93.99 | $125.32 | $250.64 | $626.60 | $1,253.20 | $6,266.00 | $12,532.00 | Nov 1, 2029 |
| December 1999 | $62.48 | $93.72 | $124.96 | $249.92 | $624.80 | $1,249.60 | $6,248.00 | $12,496.00 | Dec 1, 2029 |
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, $100 or $200 Savings Bond From 1999 Worth?
A $50 savings bond from 1999 is worth $62.16 to $63.12 in November 2026, a $100 bond $124.32 to $126.24 and a $200 bond $248.64 to $252.48. They cost $25, $50 and $100. A $100 January 1999 bond holds $76.24 of interest ($126.24 minus the $50 price), and an August 1999 bond is worth exactly 1.25 times face ($125.00 per $100).
When 1999 EE Bonds Stop Earning Interest in 2029
Every 1999 Series EE bond stops earning interest between January 1 and December 1, 2029, 30 years after its issue month. That date is final maturity (31 CFR 351.5, eCFR).
- January 1999 issues: January 1, 2029
- December 1999 issues: December 1, 2029
- After final maturity: value fixed, no deadline to cash (85 FR 83745)
The rules on when savings bonds stop earning interest differ by series.
Which EE Rules Apply to 1999 Bonds?
Every 1999 EE bond follows the rules Treasury set for EE bonds issued May 1997 through April 2005, so all 12 issue months share one method.
Table 2: The EE rules behind every 1999 bond
| Attribute | 1999 Series EE bonds (all 12 issue months) |
|---|---|
| Rules (TreasuryDirect page) | EE bonds issued May 1997 through April 2005 |
| Price | Half of face ($25 for a $50 bond) |
| How interest is set | Before original maturity, 90% of the 6-month average of 5-year Treasury yields, reset May 1 and November 1, applied from each bond's next 6-month period |
| When interest is added | Monthly, compounded semiannually |
| Rates announced in 1999 | 4.31% (May 1, 1999); 5.19% (November 1, 1999) |
| Original maturity | 17 years (January to December 2016), worth at least double the price (face, for paper) |
| Extension | To 30 years; "we use the same method unless we announce a different method" (TreasuryDirect) |
| Final maturity (interest stops) | January 1 to December 1, 2029 |
| Minimum holding period | 6 months (issue dates on or before January 1, 2003); long past |
| 3-month early-cash penalty (under 5 years) | Applies to EE issued from May 1, 1997; no 1999 bond is under 5 years, and Treasury's values already include it |
| Rate for 6-month periods starting on or after November 1, 2026 | 4.02% |
| Regulation | 31 CFR 351.29 to 351.33 |
Sources: TreasuryDirect EE page "May 1997 through April 2005" (as of November 11, 2026); 31 CFR Part 351 (eCFR, current as of November 9, 2026); Savings Bonds Value Files, November 2026.
Original Maturity at 17 Years, in 2016
1999 EE bonds reached original maturity after 17 years, between January and December 2016, when each was worth at least double its price (face, for paper; 31 CFR 351.29, 351.32(b)).
What Interest Rate Does a 1999 EE Bond Earn?
A 1999 EE bond earns 4.02% for each 6-month period that starts on or after November 1, 2026, Treasury's rate for these bonds (TreasuryDirect, as of November 1, 2026). Treasury uses its earlier method (90% of the 6-month average of 5-year Treasury yields, reset each May 1 and November 1) unless it announces another, and credits it monthly (31 CFR 351.13, 351.30).
Treasury announced two rates in 1999 for this rule set: 4.31% for periods starting on or after May 1, 1999, and 5.19% from November 1, 1999. Each applied from a bond's next 6-month period, so no single rate fits all issue months. See savings bond interest rates by issue date.
Why January 1999 Bonds Are Worth the Most and October 1999 Bonds the Least
January 1999 bonds are worth the most ($126.24 per $100) and October 1999 bonds the least ($124.32) in November 2026 because each issue month starts its 6-month periods in a different month and takes each announced rate at a different time (31 CFR 351.30). The two are $1.92 apart per $100.
From January to April, and from May to October, each later issue month is $0.36 less per $100 (February to March and September to October $0.32). May ($126.08) steps up $0.88 from April and sits $0.20 above February, unlike 1998, when May equalled February. November ($125.32) steps up $1.00, and December is $0.36 lower.
How 1999 Values Change From November 2026 to May 2027
Every 1999 EE bond gains value on the 1st of each month from November 2026 to May 2027 in Treasury's current value file.
A $100 January 1999 bond goes from $126.24 to $128.64 by May 2027, and an October 1999 bond from $124.32 to $126.48. The gain over six months is $2.16 to $2.52 per $100, and no final 1999 value exists yet.
Table 3: A $100 1999 EE bond, November 2026 to May 2027
| Issue month | Nov 2026 | Dec 2026 | Jan 2027 | Feb 2027 | Mar 2027 | Apr 2027 | May 2027 |
|---|---|---|---|---|---|---|---|
| January 1999 | $126.24 | $126.60 | $126.96 | $127.40 | $127.80 | $128.24 | $128.64 |
| April 1999 | $125.20 | $125.56 | $125.88 | $126.24 | $126.60 | $126.96 | $127.40 |
| May 1999 | $126.08 | $126.48 | $126.92 | $127.36 | $127.76 | $128.20 | $128.60 |
| October 1999 | $124.32 | $124.64 | $125.00 | $125.36 | $125.72 | $126.08 | $126.48 |
| November 1999 | $125.32 | $125.72 | $126.16 | $126.56 | $127.00 | $127.40 | $127.84 |
| December 1999 | $124.96 | $125.32 | $125.72 | $126.16 | $126.56 | $127.00 | $127.40 |
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. Later months are Treasury's scheduled values in the same file. Rates for periods starting after April 2027 are not yet announced.
How to Find the Exact Value of Your 1999 Savings Bond
Treasury prices a 1999 EE bond by its series, face value and issue month; the serial number is not needed. Our savings bond calculator, built on Treasury's published value files, uses those inputs.
- Check the series: EE, or I.
- Read the issue date on a paper savings bond: always the 1st of a month.
- Read the face value.
- Find the row and column in Table 1.
- Check the as-of month.
TreasuryDirect's calculator is Treasury's free tool. Series I was sold from September 1, 1998 at face value, so a 1999 bond bought at face value that adds interest rather than paying it every 6 months is an I bond, and Table 1 does not apply to paper Series I savings bonds.
How 1999 Values Compare With 1998 and 2000 Issues
1999 values meet their neighbors at both ends of the year, and several newer bonds beat older ones. January 1999 ($126.24 per $100) is $0.36 below December 1998 ($126.60) but $0.08 above October 1998 ($126.16). December 1999 ($124.96) is $0.32 above January 2000 ($124.64).
January 2000 ($124.64), May 2000 ($124.76) and June 2000 ($124.40) beat October 1999 ($124.32), and May 2000 also beats September 1999.
Table 4: What a $100 EE bond issued 1998 to 2000 is worth in November 2026
| Issue months | $100 value | Status | Year page |
|---|---|---|---|
| January to December 1998 | $126.16 to $128.28 | Earns until Jan 1 to Dec 1, 2028 | 1998 |
| October 1998 | $126.16 | Earns until Oct 1, 2028 | 1998, above |
| December 1998 | $126.60 | Earns until Dec 1, 2028 | 1998, above |
| January 1999 | $126.24 | Earns until Jan 1, 2029 | This page |
| December 1999 | $124.96 | Earns until Dec 1, 2029 | This page |
| January 2000 | $124.64 | Earns until Jan 1, 2030 | 2000, below |
| May 2000 | $124.76 | Earns until May 1, 2030 | 2000, below |
| January to December 2000 | $123.04 to $124.76 | Earns until Jan 1 to Dec 1, 2030 | 2000 |
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 1999 Savings Bond and Reporting Its Interest
A 1999 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.
A bank may cash a paper bond but need not (FS Publication 0022, Rev. October 2022). FS Form 1522 (Revised April 2026, PDF from TreasuryDirect) needs no signature certification at $1,000 or less, such as one $500 bond ($621.60 to $631.20).
Above $1,000, such as one $1,000 bond ($1,243.20 to $1,262.40), a notary or certifying officer must certify your signature.
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150. Payment is by direct deposit and takes 3 months or longer (TreasuryDirect, as of November 11, 2026). See cash by mail with FS Form 1522.
Tax Year 2029: When Interest on a 1999 Bond Is Reportable
Interest on a 1999 bond that is never cashed is reportable for tax year 2029, the year of its final maturity, unless the owner reports it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550). Interest is the value minus the price: $76.24 on a $100 January 1999 bond cashed in November 2026.
State and local income tax does not apply (31 U.S.C. 3124(a)). If the bond is cashed before 2029, the interest is reportable for the year it is cashed (26 CFR 1.454-1(a)(1); IRS Publication 550). See federal tax on savings bond interest; a tax professional decides individual cases.
Payers report $10 or more of interest on Form 1099-INT for savings bonds. Education costs can exclude interest (IRC 135, Form 8815) if the owner was 24 or older before the issue date and is not married filing separately.
The 2026 phase-out is $101,800 to $116,800 single and $152,650 to $182,650 joint (education savings bond program).
Lost, Found or Inherited 1999 Bonds, and 1999 I and HH Bonds
A lost 1999 bond is claimed with FS Form 1048 (Revised March 2026), and from 2035 the claim needs the serial number. A claim filed 6 or more years after final maturity needs it (31 CFR 353.29(c); 2035 is our calculation). Use the FS Form 1048 claim for lost, stolen or destroyed savings bonds.
A bond passes to the surviving "OR" co-owner or POD (payable-on-death) beneficiary, else the estate (31 CFR 353.70). See savings bonds after death or found old savings bonds.
A paper I bond issued in 1999 earns until 2029 (31 CFR 359.5; our calculation). A 1999 bond paying interest every 6 months is Series HH, which stopped in 2019 (20-year life; our calculation). Only Treasury cashes Series HH savings bonds.
Other Issue Years and Face Values
Value tables for other issue years and face values follow.
- 1998 Series EE savings bond value
- 2000 Series EE savings bond value
- 2001 Series EE savings bond value
- $50 savings bond worth (all years)
- $100 savings bond worth (all years)
- $1,000 savings bond worth (all years)
- Banks that cash savings bonds
1999 Savings Bond FAQ
How much is a $100 savings bond from 1999 worth after 30 years?
A $100 savings bond from 1999 reaches 30 years in 2029, and Treasury has not yet published its final value. It is worth $124.32 to $126.24 in November 2026, and January 1999 is scheduled at $128.64 in May 2027.
How much is a $500 savings bond from 1999 worth?
A $500 savings bond from 1999 is worth $621.60 to $631.20 in November 2026. It cost $250. See 30-year-old $500 bonds of other years.
When did 1999 EE bonds mature, and did they double in 20 years?
1999 EE bonds reached original maturity after 17 years, in 2016, and final maturity comes after 30 years, in 2029. At 17 years each was worth at least twice its price (face, for paper), not 20 years. See when savings bonds mature.
Is it worth keeping a 1999 EE bond after 20 years?
A 1999 EE bond earns interest every month until its final maturity in 2029 and nothing after it. The timing rules for newer bonds (12-month lock, 3-month penalty) no longer affect any 1999 bond.
How do I mail a 1999 savings bond to Treasury?
A 1999 paper bond goes by mail to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150, with FS Form 1522, and payment is by direct deposit. See how to mail bonds with FS Form 1522.
Is a 1999 savings bond a Patriot Bond?
No: Patriot Bonds are paper Series EE bonds issued December 2001 to December 2011, so a 1999 bond is a regular EE bond (or an I bond). Read about what Patriot Bonds are.
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.