A $100 Series EE savings bond issued in 2002 is worth $118.12 to $120.68 in November 2026, and a $50 bond $59.06 to $60.34, depending on the issue month. Every 2002 EE bond still earns interest until January 1 to December 1, 2032. Its original maturity came at 17 years, in 2019.
The values come from Treasury's Savings Bonds Value Files for redemption month November 2026. They change on the 1st of each month, so the figures below apply to this month only.
Values for November 2026
How Much Is a 2002 Series EE Savings Bond Worth in November 2026?
A 2002 paper Series EE savings bond is worth $59.06 (a $50 bond issued December 2002) to $12,068.00 (a $10,000 bond issued January 2002) in November 2026.
Paper EE bonds sold for half of face value, and every 2002 bond is now above face, having reached at least face at original maturity in 2019 (31 CFR 351.32(b)).
Table 1 lists every paper face value for all twelve issue months; the rules by issue period are on the page for Series EE savings bonds.
Table 1: What a 2002 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 2002 | $60.34 | $90.51 | $120.68 | $241.36 | $603.40 | $1,206.80 | $6,034.00 | $12,068.00 | Jan 1, 2032 |
| February 2002 | $60.16 | $90.24 | $120.32 | $240.64 | $601.60 | $1,203.20 | $6,016.00 | $12,032.00 | Feb 1, 2032 |
| March 2002 | $60.00 | $90.00 | $120.00 | $240.00 | $600.00 | $1,200.00 | $6,000.00 | $12,000.00 | Mar 1, 2032 |
| April 2002 | $59.82 | $89.73 | $119.64 | $239.28 | $598.20 | $1,196.40 | $5,982.00 | $11,964.00 | Apr 1, 2032 |
| May 2002 | $59.94 | $89.91 | $119.88 | $239.76 | $599.40 | $1,198.80 | $5,994.00 | $11,988.00 | May 1, 2032 |
| June 2002 | $59.78 | $89.67 | $119.56 | $239.12 | $597.80 | $1,195.60 | $5,978.00 | $11,956.00 | Jun 1, 2032 |
| July 2002 | $59.60 | $89.40 | $119.20 | $238.40 | $596.00 | $1,192.00 | $5,960.00 | $11,920.00 | Jul 1, 2032 |
| August 2002 | $59.44 | $89.16 | $118.88 | $237.76 | $594.40 | $1,188.80 | $5,944.00 | $11,888.00 | Aug 1, 2032 |
| September 2002 | $59.28 | $88.92 | $118.56 | $237.12 | $592.80 | $1,185.60 | $5,928.00 | $11,856.00 | Sep 1, 2032 |
| October 2002 | $59.10 | $88.65 | $118.20 | $236.40 | $591.00 | $1,182.00 | $5,910.00 | $11,820.00 | Oct 1, 2032 |
| November 2002 | $59.22 | $88.83 | $118.44 | $236.88 | $592.20 | $1,184.40 | $5,922.00 | $11,844.00 | Nov 1, 2032 |
| December 2002 | $59.06 | $88.59 | $118.12 | $236.24 | $590.60 | $1,181.20 | $5,906.00 | $11,812.00 | Dec 1, 2032 |
Note: the table shows every paper EE face value in 31 CFR 351.40; your bond's face value is printed on it. Every 2002 issue month includes bonds with the Patriot Bond inscription: same value (2002 Patriot Bond value). Electronic EE bonds bought in TreasuryDirect are not priced here.
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 Savings Bond From 2002 Worth?
A $100 savings bond from 2002 is worth $118.12 to $120.68 in November 2026, depending on the issue month. It cost $50. A $50 bond is half of each figure.
When 2002 EE Bonds Stop Earning Interest in 2032
Every 2002 Series EE bond stops earning interest between January 1 and December 1, 2032, 30 years after its issue month. That date is final maturity (31 CFR 351.5, eCFR).
- January 2002 issues: January 1, 2032
- December 2002 issues: December 1, 2032
- After final maturity: value fixed, no deadline to cash (EO 13968, 85 FR 83745)
The rules on when savings bonds stop earning interest differ by series, and the maturity page compares them.
2002 Bonds With the "Patriot Bond" Inscription
Any 2002 EE bond may carry the "Patriot Bond" inscription, because every 2002 issue month falls inside the Patriot Bond period of December 2001 to December 2011. The inscription does not change the value: a $100 Patriot Bond from 2002 is worth $118.12 to $120.68 in November 2026.
Which EE Rules Apply to 2002 Bonds?
Every 2002 EE bond follows the rules Treasury set for EE bonds issued May 1997 through April 2005, so all twelve issue months share one method. That method sets the price, the maturity terms and a 6-month minimum holding period (31 CFR 351.6).
Table 2: The EE rules behind every 2002 bond
The table lists the terms that apply to every Series EE bond issued in 2002.
| Attribute | 2002 Series EE bonds (all 12 issue months) |
|---|---|
| Rules (TreasuryDirect page) | EE bonds issued May 1997 through April 2005 |
| Price (paper) | Half of face ($50 for a $100 bond) |
| How interest is set | 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 |
| When interest is added | Monthly, compounded semiannually |
| Original maturity | 17 years (January to December 2019), 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, 2032 |
| 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 2002 bond is under 5 years, and Treasury's values already include it |
| Rates announced in 2002 | 3.96% (periods starting on or after May 1, 2002); 3.25% (on or after November 1, 2002) |
| 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 2019
2002 EE bonds reached original maturity after 17 years, between January and December 2019, when each was worth at least double its price, which is face value for paper (31 CFR 351.29, 351.32(b)). The 20-year term applies only to EE bonds issued June 2003 and later.
What Interest Rate Does a 2002 EE Bond Earn?
A 2002 EE bond earns 4.02% for each 6-month period that starts on or after November 1, 2026, Treasury's rate for EE bonds issued May 1997 through April 2005 (TreasuryDirect, as of November 1, 2026). It is 90% of the 6-month average of 5-year Treasury yields, reset each May 1 and November 1, and extended maturity keeps that method (31 CFR 351.33).
Treasury announced 3.96% for periods starting on or after May 1, 2002, and 3.25% on or after November 1, 2002. See savings bond interest rates by issue date for every announced rate.
Why January 2002 Bonds Are Worth the Most and December 2002 Bonds the Least
January 2002 bonds are worth the most ($120.68 per $100) and December 2002 bonds the least ($118.12) in November 2026, because each issue month takes each announced rate at a different time (31 CFR 351.30). The two are $2.56 apart.
From month to month, each later issue is $0.32 or $0.36 less per $100. May ($119.88) steps up $0.24 from April, and November ($118.44) steps up $0.24 from October.
How 2002 Values Change From November 2026 to May 2027
Every 2002 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 2002 bond goes from $120.68 to $123.00 by May 2027, and a December 2002 bond from $118.12 to $120.44.
Table 3: A $100 2002 EE bond, November 2026 to May 2027
The table shows Treasury's scheduled value of a $100 bond for six 2002 issue months.
| Issue month | Nov 2026 | Dec 2026 | Jan 2027 | Feb 2027 | Mar 2027 | Apr 2027 | May 2027 |
|---|---|---|---|---|---|---|---|
| January 2002 | $120.68 | $121.00 | $121.36 | $121.76 | $122.16 | $122.56 | $123.00 |
| April 2002 | $119.64 | $120.00 | $120.32 | $120.68 | $121.00 | $121.36 | $121.76 |
| May 2002 | $119.88 | $120.28 | $120.68 | $121.08 | $121.48 | $121.88 | $122.28 |
| October 2002 | $118.20 | $118.56 | $118.88 | $119.20 | $119.56 | $119.88 | $120.28 |
| November 2002 | $118.44 | $118.84 | $119.24 | $119.64 | $120.04 | $120.44 | $120.84 |
| December 2002 | $118.12 | $118.44 | $118.84 | $119.24 | $119.64 | $120.04 | $120.44 |
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 2002 bond reaches final maturity inside this file; rates after April 2027 are not yet announced.
How to Find the Exact Value of Your 2002 Savings Bond
Treasury prices a 2002 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 them.
- Check the series: EE, or I.
- Read the issue date on a paper savings bond.
- 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 2002 that grows in value is Series I, so Table 1 does not apply, and our data holds no 2002 I bond value.
A 2002 EE bond can also be electronic. TreasuryDirect began selling electronic EE bonds in 2002 (76 FR 66855), at face value (31 CFR 351.61). Their value appears only in the owner's TreasuryDirect account, which has required ID.me login since October 28, 2026. See electronic savings bonds in TreasuryDirect.
How 2002 Values Compare With 2001 and 2003 Issues
2002 values meet their neighbors at both ends of the year. January 2002 ($120.68 per $100) sits just below December 2001 ($121.00), and December 2002 ($118.12) just above January 2003 ($117.80). Bonds from 2001 stop earning in 2031 and bonds from 2003 in 2033.
Table 4: What a $100 EE bond issued 2001 to 2003 is worth in November 2026
The table shows where 2002 values sit among the issue years around them.
| Issue months | $100 value | Status | Year page |
|---|---|---|---|
| January to December 2001 | $120.84 to $122.92 | Earns until Jan 1 to Dec 1, 2031 | 2001 |
| December 2001 | $121.00 | Earns until Dec 1, 2031 | 2001, above |
| January 2002 | $120.68 | Earns until Jan 1, 2032 | This page |
| December 2002 | $118.12 | Earns until Dec 1, 2032 | This page |
| January 2003 | $117.80 | Earns until Jan 1, 2033 | 2003, below |
| January to December 2003 | $111.12 to $117.80 | Earns until Jan 1 to Dec 1, 2033; original maturity 17 years (January to May issues) or 20 years (June to December) | 2003 |
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 2002 Savings Bond and Reporting Its Interest
A 2002 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.
Banks may cash paper bonds but need not (FS Publication 0022, Rev. October 2022). FS Form 1522 (Revised April 2026, PDF from TreasuryDirect) needs no signature certification when the bonds total $1,000 or less, such as one $500 bond ($590.60 to $603.40); you enclose a copy of your driver's license, passport, state ID or military ID instead.
Above $1,000, such as one $1,000 bond ($1,181.20 to $1,206.80), a notary or certifying officer certifies your signature.
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; payment takes three months or longer for bonds in your name, five or more for others (TreasuryDirect, November 11, 2026). See cash by mail with FS Form 1522.
Tax Year 2032: When Interest on a 2002 Bond Is Reportable
Interest on a 2002 bond that is never cashed is reportable for tax year 2032, 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 $50 price: $70.68 on a $100 January 2002 bond. See federal tax on savings bond interest; a tax professional decides individual cases.
Payers report $10 or more of interest in box 3 of Form 1099-INT for savings bonds.
Education costs can exclude interest for a bond bought by an owner aged 24 or older before its issue date, when not married filing separately (IRC 135, Form 8815); 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 2002 Bonds, and 2002 I and HH Bonds
A lost 2002 bond is claimed with FS Form 1048 (Revised March 2026), and from January 1 to December 1, 2038, six years after final maturity, the claim needs the serial number (31 CFR 353.29(c); the 2038 dates are our calculation). Use the FS Form 1048 claim for lost savings bonds.
A bond passes to the surviving "OR" co-owner or POD (payable-on-death) beneficiary, otherwise to the estate (31 CFR 353.70); see savings bonds after death. For bonds just discovered, follow found old savings bonds.
A paper I bond issued in 2002 earns until 2032 (31 CFR 359.5; our calculation); see Series I savings bonds. A 2002 bond that paid interest every 6 months is Series HH; it stopped earning in 2022 and is worth face value, and only Treasury cashes it: Series HH savings bonds.
Other Issue Years and Face Values
Value tables for other issue years and face values are listed below.
- 2001 Series EE savings bond value
- 2003 Series EE savings bond value
- 2004 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
2002 Savings Bond FAQ
How much is a $100 savings bond from 2002 worth after 30 years?
A $100 savings bond from 2002 reaches 30 years in 2032, and its final value is not in Treasury's value files yet. It is worth $118.12 to $120.68 in November 2026, and January 2002 is scheduled at $123.00 in May 2027.
How much is a $100 savings bond worth after 20 years?
A $100 paper EE bond issued June 2003 or later is worth at least $100 at 20 years; 2006 issues, the year that turns 20 in 2026, are worth $101.80 to $106.00 in November 2026. A 2002 $100 bond is worth $118.12 to $120.68 ($100 savings bond worth).
Did 2002 EE bonds double in value after 20 years?
No: 2002 EE bonds reached original maturity after 17 years, in 2019, not 20 years. Final maturity comes at 30 years, in 2032 (when savings bonds mature).
Are 30 year old savings bonds worth anything?
Yes: an EE or I savings bond that has reached 30 years stops earning but keeps its final value and never expires. A $100 EE bond issued November 1996 reached 30 years on November 1, 2026 and is worth $128.64.
Why is my $100 savings bond only worth $50?
A $100 paper EE bond cost $50, and only bonds issued May 2007 to December 2011 are still below face, at $54.76 to $96.44 in November 2026. They reach $100 at 20 years (31 CFR 351.35(f)(1)). A 2002 $100 bond is above face.
How much is a 20 year old $50 savings bond worth today?
A $50 Series EE bond issued in 2006, the year that turns 20 in 2026, is worth $50.90 to $53.00 in November 2026. A 2002 $50 bond, 24 years old, is worth $59.06 to $60.34 ($50 savings bond worth).
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.