A $50 Series EE savings bond issued in 2004 is worth $53.50 to $55.40 in November 2026, and a $100 bond $107.00 to $110.80, depending on the issue month. Every 2004 bond reached original maturity at 20 years, in 2024, and earns interest until January 1 to December 1, 2034.
The values come from Treasury's Savings Bonds Value Files for redemption month November 2026. They change on the 1st of each month.
Values for November 2026
How Much Is a 2004 Series EE Savings Bond Worth in November 2026?
A 2004 paper Series EE savings bond is worth $53.50 (a $50 bond issued December 2004) to $11,080.00 (a $10,000 bond issued January 2004) in November 2026. Paper EE bonds sold for half of face value, and every 2004 bond is now worth more than face.
The table covers every paper EE face value (31 CFR 351.40). See Series EE savings bonds for each issue period.
Table 1: What a 2004 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 2004 | $55.40 | $83.10 | $110.80 | $221.60 | $554.00 | $1,108.00 | $5,540.00 | $11,080.00 | Jan 1, 2034 |
| February 2004 | $55.24 | $82.86 | $110.48 | $220.96 | $552.40 | $1,104.80 | $5,524.00 | $11,048.00 | Feb 1, 2034 |
| March 2004 | $55.08 | $82.62 | $110.16 | $220.32 | $550.80 | $1,101.60 | $5,508.00 | $11,016.00 | Mar 1, 2034 |
| April 2004 | $54.94 | $82.41 | $109.88 | $219.76 | $549.40 | $1,098.80 | $5,494.00 | $10,988.00 | Apr 1, 2034 |
| May 2004 | $54.70 | $82.05 | $109.40 | $218.80 | $547.00 | $1,094.00 | $5,470.00 | $10,940.00 | May 1, 2034 |
| June 2004 | $54.54 | $81.81 | $109.08 | $218.16 | $545.40 | $1,090.80 | $5,454.00 | $10,908.00 | Jun 1, 2034 |
| July 2004 | $54.38 | $81.57 | $108.76 | $217.52 | $543.80 | $1,087.60 | $5,438.00 | $10,876.00 | Jul 1, 2034 |
| August 2004 | $54.24 | $81.36 | $108.48 | $216.96 | $542.40 | $1,084.80 | $5,424.00 | $10,848.00 | Aug 1, 2034 |
| September 2004 | $54.08 | $81.12 | $108.16 | $216.32 | $540.80 | $1,081.60 | $5,408.00 | $10,816.00 | Sep 1, 2034 |
| October 2004 | $53.94 | $80.91 | $107.88 | $215.76 | $539.40 | $1,078.80 | $5,394.00 | $10,788.00 | Oct 1, 2034 |
| November 2004 | $53.66 | $80.49 | $107.32 | $214.64 | $536.60 | $1,073.20 | $5,366.00 | $10,732.00 | Nov 1, 2034 |
| December 2004 | $53.50 | $80.25 | $107.00 | $214.00 | $535.00 | $1,070.00 | $5,350.00 | $10,700.00 | Dec 1, 2034 |
Note: your bond's face value is printed on it. Every 2004 bond still earns interest until its final maturity in 2034. Bonds with the Patriot Bond inscription have the same value as any EE bond of their issue month (2004 Patriot Bond value).
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 2004 Worth?
A $50 savings bond from 2004 is worth $53.50 to $55.40 in November 2026, and a $100 bond $107.00 to $110.80. They cost $25 and $50. January 2004 bonds are worth the most and December 2004 bonds the least.
A $100 January 2004 bond holds $60.80 of interest ($110.80 minus the $50 price).
When 2004 EE Bonds Stop Earning Interest in 2034
Every 2004 Series EE bond stops earning interest between January 1 and December 1, 2034, 30 years after its issue month. That date is final maturity (31 CFR 351.5, eCFR).
- January 2004 issues: January 1, 2034
- December 2004 issues: December 1, 2034
- After final maturity: value fixed, no cashing deadline (EO 13968, 85 FR 83745)
The rules on when savings bonds stop earning interest differ by series. Treasury's file ends in May 2027.
2004 Bonds With the "Patriot Bond" Inscription
A 2004 Series EE bond may carry the "Patriot Bond" inscription, and it is worth exactly what any EE bond of the same issue month is worth. Patriot Bonds are paper EE bonds issued December 2001 to December 2011, so all 12 months of 2004 fall inside that window.
Which EE Rules Apply to 2004 Bonds?
Every 2004 EE bond follows the rules Treasury set for EE bonds issued May 1997 through April 2005, with the 20-year original maturity that applies to issues from June 2003. That makes 2004 the only issue year entirely inside the June 2003 to April 2005 window.
The table lists the terms that apply to every Series EE bond issued in 2004.
Table 2: The EE rules behind every 2004 bond
| Attribute | 2004 Series EE bonds (all 12 issue months) |
|---|---|
| Rules (TreasuryDirect page) | EE bonds issued May 1997 through April 2005 |
| Price | Paper: half of face ($25 for a $50 bond); electronic: face |
| 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 | 20 years (January to December 2024); paper worth at least face, electronic at least double the price; one-time adjustment if needed |
| 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, 2034 |
| Minimum holding period | 12 months (issue dates on or after February 1, 2003); long past |
| 3-month early-cash penalty (under 5 years) | Applies to EE issued from May 1, 1997; no 2004 bond is under 5 years, and Treasury's values already include it |
| Rates announced in 2004 | 2.84% (periods starting on or after May 1, 2004); 3.25% (on or after November 1, 2004) |
| 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 pages "May 1997 through April 2005" and "May 2005 and later" (November 11, 2026); 31 CFR Part 351 (eCFR); Savings Bonds Value Files, November 2026.
Original Maturity at 20 Years, in 2024
2004 EE bonds reached original maturity after 20 years, between January and December 2024, when each paper bond was worth at least its face value (31 CFR 351.29, 351.32(b)). The guarantee is face value for a paper bond, not twice face, and it covers "any EE bond bought as far back as June 2003" (TreasuryDirect).
Treasury makes a one-time adjustment if a bond falls short.
A $100 September 2004 bond is worth $108.16 in November 2026.
What Interest Rate Does a 2004 EE Bond Earn?
A 2004 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). It resets each May 1 and November 1 (31 CFR 351.13, 351.30); no fixed rate exists.
Treasury announced 2.84% (periods starting May 1, 2004) and 3.25% (November 1, 2004). See savings bond interest rates by issue date for every announced rate.
Why Each 2004 Issue Month Is Worth Less Than the One Before
Each 2004 issue month is worth less than the month before it because a later issue month has earned interest for fewer months. In 2004 no rate change lifted a May or November issue above the month before it.
January 2004 is worth $110.80 per $100 and December $107.00, $3.80 apart. Steps between months are $0.28 or $0.32 in most months, $0.48 at May and $0.56 at November. May 2003 ($117.56) sits above April 2003 ($116.80).
How 2004 Values Change From November 2026 to May 2027
Every 2004 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 2004 bond goes from $110.80 to $112.88 by May 2027, and a December 2004 bond from $107.00 to $109.12.
Six-month gains run $1.88 to $2.20 per $100. The table shows Treasury's scheduled value of a $100 bond for six 2004 issue months.
Table 3: A $100 2004 EE bond, November 2026 to May 2027
| Issue month | Nov 2026 | Dec 2026 | Jan 2027 | Feb 2027 | Mar 2027 | Apr 2027 | May 2027 |
|---|---|---|---|---|---|---|---|
| January 2004 | $110.80 | $111.12 | $111.40 | $111.76 | $112.16 | $112.52 | $112.88 |
| April 2004 | $109.88 | $110.16 | $110.48 | $110.80 | $111.12 | $111.40 | $111.76 |
| May 2004 | $109.40 | $109.76 | $110.12 | $110.48 | $110.88 | $111.24 | $111.60 |
| October 2004 | $107.88 | $108.16 | $108.48 | $108.76 | $109.08 | $109.40 | $109.76 |
| November 2004 | $107.32 | $107.68 | $108.04 | $108.40 | $108.76 | $109.12 | $109.48 |
| December 2004 | $107.00 | $107.32 | $107.68 | $108.04 | $108.40 | $108.76 | $109.12 |
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 2004 Savings Bond
Treasury prices a 2004 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 for paper bonds. A paper bond bought at face value in 2004 is Series I, and one received in exchange that pays interest every 6 months is Series HH; neither is in Table 1.
How 2004 Values Compare With 2002, 2003, 2005 and 2006 Issues
2004 values meet their neighbors at both ends of the year. January 2004 ($110.80 per $100) sits just below December 2003 ($111.12), and December 2004 ($107.00) just above January 2005 ($106.72). 2003 splits at June and 2005 at May. The table shows where 2004 sits.
Table 4: What a $100 EE bond issued 2002 to 2006 is worth in November 2026
| Issue months | $100 value | Rules and status | Year page |
|---|---|---|---|
| January to December 2002 | $118.12 to $120.68 | 90% of 5-year yields, 17 years; earns until 2032 | 2002 |
| January to December 2003 | $111.12 to $117.80 | 90% of 5-year yields, 17 years to May and 20 from June; earns until 2033 | 2003 |
| December 2003 | $111.12 | 20 years; earns until Dec 1, 2033 | 2003, above |
| January 2004 | $110.80 | 20 years; earns until Jan 1, 2034 | This page |
| December 2004 | $107.00 | 20 years; earns until Dec 1, 2034 | This page |
| January 2005 | $106.72 | 20 years; earns until Jan 1, 2035 | 2005, below |
| January to December 2005 | $102.96 to $106.72 | 90% of 5-year yields to April, fixed rate from May; earns until 2035 | 2005 |
| January to December 2006 | $101.80 to $106.00 | Fixed rate; earns until 2036 | 2006 |
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 2004 Savings Bond and Reporting Its Interest
A 2004 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 your signature and ID when the bonds total $1,000 or less (one $500 bond: $535.00 to $554.00).
Above $1,000 (one $1,000 bond: $1,070.00 to $1,108.00), 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 takes three months or longer for bonds in your name, and five months or longer if they are not (TreasuryDirect, as of November 11, 2026). See cash by mail with FS Form 1522.
Tax Year 2034: When Interest on a 2004 Bond Is Reportable
Interest on a 2004 bond that is never cashed is reportable for tax year 2034, the year of its final maturity, unless the owner reports it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
State and local income tax does not apply (31 U.S.C. 3124(a)). See federal tax on savings bond interest; ask a tax professional about your case.
Payers report $10 or more in box 3 of Form 1099-INT for savings bonds. The Form 8815 exclusion (IRC 135) needs an owner aged 24 or older before issue; its 2026 phase-out is $101,800 to $116,800 single and $152,650 to $182,650 joint (education savings bond program).
Lost, Inherited or Electronic 2004 Bonds, and 2004 I and HH Bonds
A lost 2004 bond is claimed with FS Form 1048 (Revised March 2026), and from 2040 the claim needs the serial number (31 CFR 353.29(c); 2040 is our calculation). See the FS Form 1048 claim for lost 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. An electronic EE bond is valued only inside its account; see electronic savings bonds and TreasuryDirect accounts.
A paper I bond from 2004 earns until 2034 (31 CFR 359.5; our calculation) with a fixed rate of 1.10% (January to April 2004 issues) or 1.00% (May to December) plus an inflation rate that resets every 6 months; see Series I savings bonds.
A bond paying interest every 6 months is Series HH, issued until August 2004, so a 2004 HH bond stopped earning in 2024 (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.
- 2001 Series EE savings bond value
- 2007 Series EE savings bond value
- $50 savings bond worth (all years)
- $100 savings bond worth (all years)
- $500 savings bond worth (all years)
- $1,000 savings bond worth (all years)
- Banks that cash savings bonds
2004 Savings Bond FAQ
How much is a $100 savings bond from 2004 worth after 30 years?
A $100 savings bond from 2004 reaches 30 years in 2034, and Treasury has not released its final value. It is worth $107.00 to $110.80 in November 2026. See $100 savings bond worth.
How much was a $100 savings bond from 2004 worth after 20 years?
A $100 paper EE bond from 2004 was worth at least $100 when it reached 20 years in 2024, Treasury's guarantee for issues from June 2003. It is worth $107.00 to $110.80 in November 2026.
How much is a $1,000 savings bond from 2004 worth?
A $1,000 savings bond from 2004 is worth $1,070.00 to $1,108.00 in November 2026. It cost $500, and cashing one by mail needs signature certification. See $1,000 savings bond worth.
Should I cash in my 2004 EE bonds now?
A 2004 EE bond earns interest until its final maturity in 2034 and nothing after it. It never expires. See when to cash savings bonds for the timing rules.
Are 30 year old savings bonds worth anything?
A savings bond past final maturity keeps its final value and can still be cashed: it stops earning but never expires. EE and I bonds reach it at 30 years, so 2004 bonds reach it in 2034. See when savings bonds mature.
How much would a savings bond be worth from 2008?
A 2008 Series EE bond is worth $63.00 to $87.64 per $100 of face in November 2026, below face until it reaches 20 years in 2028. See the 2008 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.