A $50 Series EE savings bond issued in 2000 is worth $61.52 to $62.38 in November 2026, and a $100 bond $123.04 to $124.76, depending on the issue month.
Every 2000 EE bond still earns interest until January 1 to December 1, 2030. Original maturity came after 17 years, in 2017; May 2000 is the top month.
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 2000 Series EE Savings Bond Worth in November 2026?
A 2000 paper Series EE savings bond is worth $61.52 (a $50 bond issued October 2000) to $12,476.00 (a $10,000 bond issued May 2000) in November 2026.
Paper EE bonds sold for half of face value (the amount printed on the bond), so every 2000 bond is above face now. Electronic EE bonds began in TreasuryDirect, Treasury's online system, in 2002 (76 FR 66855).
The rules of Series EE savings bonds differ by issue period, and one rule set covers all of 2000.
Table 1: What a 2000 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 2000 | $62.32 | $93.48 | $124.64 | $249.28 | $623.20 | $1,246.40 | $6,232.00 | $12,464.00 | Jan 1, 2030 |
| February 2000 | $62.14 | $93.21 | $124.28 | $248.56 | $621.40 | $1,242.80 | $6,214.00 | $12,428.00 | Feb 1, 2030 |
| March 2000 | $61.96 | $92.94 | $123.92 | $247.84 | $619.60 | $1,239.20 | $6,196.00 | $12,392.00 | Mar 1, 2030 |
| April 2000 | $61.80 | $92.70 | $123.60 | $247.20 | $618.00 | $1,236.00 | $6,180.00 | $12,360.00 | Apr 1, 2030 |
| May 2000 (highest) | $62.38 | $93.57 | $124.76 | $249.52 | $623.80 | $1,247.60 | $6,238.00 | $12,476.00 | May 1, 2030 |
| June 2000 | $62.20 | $93.30 | $124.40 | $248.80 | $622.00 | $1,244.00 | $6,220.00 | $12,440.00 | Jun 1, 2030 |
| July 2000 | $62.04 | $93.06 | $124.08 | $248.16 | $620.40 | $1,240.80 | $6,204.00 | $12,408.00 | Jul 1, 2030 |
| August 2000 | $61.86 | $92.79 | $123.72 | $247.44 | $618.60 | $1,237.20 | $6,186.00 | $12,372.00 | Aug 1, 2030 |
| September 2000 | $61.68 | $92.52 | $123.36 | $246.72 | $616.80 | $1,233.60 | $6,168.00 | $12,336.00 | Sep 1, 2030 |
| October 2000 (lowest) | $61.52 | $92.28 | $123.04 | $246.08 | $615.20 | $1,230.40 | $6,152.00 | $12,304.00 | Oct 1, 2030 |
| November 2000 | $61.82 | $92.73 | $123.64 | $247.28 | $618.20 | $1,236.40 | $6,182.00 | $12,364.00 | Nov 1, 2030 |
| December 2000 | $61.64 | $92.46 | $123.28 | $246.56 | $616.40 | $1,232.80 | $6,164.00 | $12,328.00 | Dec 1, 2030 |
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 2000 Worth?
A $100 savings bond from 2000 is worth $123.04 to $124.76 in November 2026, and a $50 bond $61.52 to $62.38; they cost $50 and $25. A $100 May 2000 bond holds $74.76 of interest ($124.76 minus the $50 price), and a January 2000 bond holds $74.64.
When 2000 EE Bonds Stop Earning Interest in 2030
Every 2000 Series EE bond stops earning interest between January 1 and December 1, 2030, 30 years after its issue month. That date is final maturity (31 CFR 351.5, eCFR).
- January 2000 issues: January 1, 2030
- December 2000 issues: December 1, 2030
- After final maturity: value fixed, no deadline to cash (85 FR 83745)
The rules on when savings bonds stop earning interest differ by series. No final 2000 value is published yet.
Which EE Rules Apply to 2000 Bonds?
Every 2000 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 lists the terms.
Table 2: The EE rules behind every 2000 bond
| Attribute | 2000 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 | Until original maturity (2017): 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; no fixed rate. For the extended period see the next row |
| When interest is added | Monthly, compounded semiannually |
| Original maturity | 17 years (January to December 2017), 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, 2030 |
| 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 2000 bond is under 5 years, and Treasury's values already include it |
| Rates announced in 2000 | 5.73% (periods starting on or after May 1, 2000; highest in this group's record); 5.54% (on or after November 1, 2000) |
| 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 2017
2000 EE bonds reached original maturity after 17 years, between January and December 2017, when each was worth at least double its price (face value, for paper; 31 CFR 351.29, 351.32(b)). The 20-year guarantee applies only to EE issued June 2003 and later.
What Interest Rate Does a 2000 EE Bond Earn?
A 2000 EE bond earns 4.02% for each 6-month period that starts on or after November 1, 2026, Treasury's rate for this rule set (as of November 1, 2026, TreasuryDirect). The rate is market-based, not fixed (31 CFR 351.13, 351.30); the 2.90% rate for new EE bonds does not apply.
Treasury announced 5.73% for 6-month periods starting on or after May 1, 2000, and 5.54% from November 1, 2000. The 5.73% rate is the highest in this rule set's record, which has a low of 0.28% (November 2020). See savings bond interest rates by issue date for every announced rate.
Why May 2000 Bonds Are Worth the Most and October 2000 Bonds the Least
May 2000 bonds are worth the most ($124.76 per $100) and October 2000 bonds the least ($123.04) 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 $1.72 apart per $100.
May sits $0.12 above January ($124.64) after a $1.16 step up from April ($123.60), the largest month-to-month step in 1999 to 2001. November ($123.64) steps up $0.60.
How 2000 Values Change From November 2026 to May 2027
Every 2000 EE bond gains value on the 1st of each month from November 2026 to May 2027 in Treasury's current value file.
A $100 May 2000 bond goes from $124.76 to $127.28 by May 2027, and an October 2000 bond from $123.04 to $125.16. Six-month gains run $2.12 (April, October) to $2.52 (May) per $100.
The table shows Treasury's scheduled value of a $100 bond for six issue months.
Table 3: A $100 2000 EE bond, November 2026 to May 2027
| Issue month | Nov 2026 | Dec 2026 | Jan 2027 | Feb 2027 | Mar 2027 | Apr 2027 | May 2027 |
|---|---|---|---|---|---|---|---|
| January 2000 | $124.64 | $124.96 | $125.32 | $125.72 | $126.16 | $126.56 | $127.00 |
| April 2000 | $123.60 | $123.92 | $124.28 | $124.64 | $124.96 | $125.32 | $125.72 |
| May 2000 | $124.76 | $125.16 | $125.60 | $126.00 | $126.44 | $126.84 | $127.28 |
| October 2000 | $123.04 | $123.36 | $123.72 | $124.08 | $124.40 | $124.76 | $125.16 |
| November 2000 | $123.64 | $124.04 | $124.48 | $124.88 | $125.28 | $125.72 | $126.12 |
| December 2000 | $123.28 | $123.64 | $124.04 | $124.48 | $124.88 | $125.28 | $125.72 |
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. No 2000 bond reaches final maturity inside this file, and rates for periods starting after April 2027 are not yet announced.
How to Find the Exact Value of Your 2000 Savings Bond
Treasury prices a 2000 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. A paper bond bought at face value in 2000 is Series I, so Table 1 does not apply to it.
I bonds issued May to October 2000 carry a 3.60% fixed rate, the highest Treasury has set, and earn 7.75% for 6-month periods starting November 2026 to April 2027; other 2000 I bonds carry 3.40% and earn 7.55% (TreasuryDirect I bond rates).
How 2000 Values Compare With 1999 and 2001 Issues
2000 values meet their neighbors at both ends of the year. January 2000 ($124.64 per $100) sits $0.32 below December 1999 ($124.96), and December 2000 ($123.28) sits $0.36 above January 2001 ($122.92).
Table 4: What a $100 EE bond issued 1999 to 2001 is worth in November 2026
| Issue months | $100 value | Status | Year page |
|---|---|---|---|
| January to December 1999 | $124.32 to $126.24 | Earns until Jan 1 to Dec 1, 2029 | 1999 |
| December 1999 | $124.96 | Earns until Dec 1, 2029 | 1999, above |
| January 2000 | $124.64 | Earns until Jan 1, 2030 | This page |
| December 2000 | $123.28 | Earns until Dec 1, 2030 | This page |
| January 2001 | $122.92 | Earns until Jan 1, 2031 | 2001, below |
| January to December 2001 | $120.84 to $122.92 | Earns until Jan 1 to Dec 1, 2031 | 2001 |
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 2000 Savings Bond and Reporting Its Interest
A 2000 paper EE bond is cashed at a bank that redeems savings bonds or by mail with FS Form 1522, and Treasury's forms are free. A paying bank may not charge a fee (31 CFR 321.23(c)). 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 ($615.20 to $623.80).
Above $1,000, such as one $1,000 bond ($1,230.40 to $1,247.60), 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 three months or longer (as of November 11, 2026). See cash by mail with FS Form 1522.
Tax Year 2030: When Interest on a 2000 Bond Is Reportable
Interest on a 2000 bond that is never cashed is reportable for tax year 2030, the year of its final maturity, unless the owner reports it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
If cashed before 2030, it is reportable for the year of cashing. State and local income tax does not apply (31 U.S.C. 3124(a)). A tax professional decides individual cases; see federal tax on savings bond interest.
Payers report $10 or more of interest on Form 1099-INT for savings bonds (box 3). Education costs can exclude interest (IRC 135, Form 8815) for an owner 24 or older before issue and 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 2000 Bonds, and 2000 I and HH Bonds
A lost 2000 bond is claimed with FS Form 1048 (Revised March 2026), and from 2036 the claim needs the serial number. The rule applies 6 years after final maturity (31 CFR 353.29(c); 2036 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. For a bond you found, see found old savings bonds.
A paper I bond issued in 2000 earns until 2030 (31 CFR 359.5; our calculation); see Series I savings bonds. A 2000 bond paying interest every 6 months is Series HH (20-year life, ended 2020; our calculation), which only Treasury cashes (Series HH savings bonds).
Other Issue Years and Face Values
Value tables for other issue years and face values follow.
- 1999 Series EE savings bond value
- 2001 Series EE savings bond value
- 2002 Series EE savings bond value
- 2010 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
2000 Savings Bond FAQ
How much is a $100 savings bond from 2000 worth after 30 years?
A $100 savings bond from 2000 reaches 30 years in 2030, and Treasury has not released its final value yet. It is now worth $123.04 to $124.76 in November 2026, and May 2000 is scheduled at $127.28 in May 2027. Other years: $100 savings bond worth.
How much is a $500 savings bond from 2000 worth?
A $500 Series EE savings bond from 2000 is worth $615.20 to $623.80 in November 2026, and it cost $250, half of face. A paper $500 bond bought for $500 in 2000 is Series I. See the $500 savings bond worth.
When did 2000 EE bonds mature, and did they double in 20 years?
2000 EE bonds reached original maturity after 17 years, in 2017, and final maturity comes after 30 years, in 2030. At 17 years each was worth at least twice its price (face, for paper); the 20-year point applies from June 2003 issues.
Is it worth keeping a 2000 EE bond after 20 years?
A 2000 EE bond earns interest every month until its final maturity in 2030 and nothing after it, and it never expires. The timing rules for newer bonds (12-month lock, 3-month penalty) no longer affect any 2000 bond.
What should I do with old savings bonds from 2000?
Identify an old bond by series, face value and issue date, value it in Table 1, and cash it at a bank or by mail with FS Form 1522. A bond in a deceased owner's name goes first to the co-owner, POD beneficiary or estate; see found old savings bonds.
Is a 2000 savings bond a Patriot Bond?
No: Patriot Bonds are paper Series EE bonds issued December 2001 to December 2011, so a 2000 bond is a regular EE bond (or an I bond). Read 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.