A $50 Series EE savings bond issued in 2005 is worth $51.48 to $53.36 in November 2026, and a $100 bond $102.96 to $106.72, by issue month.
All reached 20 years in 2025 and earn interest until January 1 to December 1, 2035. Bonds from May 2005 carry a fixed rate, earlier ones a variable rate.
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 2005 Series EE Savings Bond Worth in November 2026?
A 2005 paper Series EE savings bond is worth $51.48 (a $50 bond issued December 2005) to $10,672.00 (a $10,000 bond issued January 2005) in November 2026. Paper EE bonds sold for half of face value (the amount printed on the bond), and every 2005 bond is worth more than face.
Table 1 shows every issue month and face value. The rules of Series EE savings bonds differ by issue period, and 2005 has two.
Table 1: What a 2005 paper Series EE savings bond is worth in November 2026, by issue month and face value
| Issue month | Rule | $50 | $75 | $100 | $200 | $500 | $1,000 | $5,000 | $10,000 | Stops earning |
|---|---|---|---|---|---|---|---|---|---|---|
| January 2005 | 90% of 5-yr yields | $53.36 | $80.04 | $106.72 | $213.44 | $533.60 | $1,067.20 | $5,336.00 | $10,672.00 | Jan 1, 2035 |
| February 2005 | 90% of 5-yr yields | $53.20 | $79.80 | $106.40 | $212.80 | $532.00 | $1,064.00 | $5,320.00 | $10,640.00 | Feb 1, 2035 |
| March 2005 | 90% of 5-yr yields | $53.06 | $79.59 | $106.12 | $212.24 | $530.60 | $1,061.20 | $5,306.00 | $10,612.00 | Mar 1, 2035 |
| April 2005 | 90% of 5-yr yields | $52.90 | $79.35 | $105.80 | $211.60 | $529.00 | $1,058.00 | $5,290.00 | $10,580.00 | Apr 1, 2035 |
| May 2005 | Fixed 3.50% | $52.68 | $79.02 | $105.36 | $210.72 | $526.80 | $1,053.60 | $5,268.00 | $10,536.00 | May 1, 2035 |
| June 2005 | Fixed 3.50% | $52.54 | $78.81 | $105.08 | $210.16 | $525.40 | $1,050.80 | $5,254.00 | $10,508.00 | Jun 1, 2035 |
| July 2005 | Fixed 3.50% | $52.38 | $78.57 | $104.76 | $209.52 | $523.80 | $1,047.60 | $5,238.00 | $10,476.00 | Jul 1, 2035 |
| August 2005 | Fixed 3.50% | $52.24 | $78.36 | $104.48 | $208.96 | $522.40 | $1,044.80 | $5,224.00 | $10,448.00 | Aug 1, 2035 |
| September 2005 | Fixed 3.50% | $52.08 | $78.12 | $104.16 | $208.32 | $520.80 | $1,041.60 | $5,208.00 | $10,416.00 | Sep 1, 2035 |
| October 2005 | Fixed 3.50% | $51.92 | $77.88 | $103.84 | $207.68 | $519.20 | $1,038.40 | $5,192.00 | $10,384.00 | Oct 1, 2035 |
| November 2005 | Fixed 3.20% | $51.62 | $77.43 | $103.24 | $206.48 | $516.20 | $1,032.40 | $5,162.00 | $10,324.00 | Nov 1, 2035 |
| December 2005 | Fixed 3.20% | $51.48 | $77.22 | $102.96 | $205.92 | $514.80 | $1,029.60 | $5,148.00 | $10,296.00 | Dec 1, 2035 |
Note: the table shows every paper EE face value in 31 CFR 351.40. Patriot Bond inscriptions do not change the value (2005 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 2005 Worth?
A $50 savings bond from 2005 is worth $51.48 to $53.36 in November 2026, and a $100 bond $102.96 to $106.72. Per $100, January to April bonds are worth $105.80 to $106.72 and May to December bonds $102.96 to $105.36. A $100 January 2005 bond holds $56.72 of interest.
When 2005 EE Bonds Stop Earning Interest in 2035
Every 2005 Series EE bond stops earning interest between January 1 and December 1, 2035, 30 years after its issue month. That is final maturity (31 CFR 351.5, eCFR).
- January 2005: January 1, 2035
- April 2005: April 1, 2035, last of the variable-rate group
- December 2005: December 1, 2035
The rules on when savings bonds stop earning interest differ by series. No deadline applies to cashing (EO 13968).
2005 Bonds With the "Patriot Bond" Inscription
A 2005 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 every 2005 month qualifies.
Why 2005 EE Bonds Follow Two Different Rate Rules
2005 EE bonds follow two rule sets: January to April issues earn 90% of 5-year Treasury yields, and May to December issues a fixed rate set at issue. The change comes from 70 FR 17288 (April 5, 2005).
It says: "Effective May 1, 2005, the interest rate for a Series EE bond issued on or after that date will be a fixed rate of interest" (Federal Register). The printed issue date decides. Table 2 compares both sets.
Table 2: The two EE rule sets behind 2005 bonds
| Attribute | Issued January to April 2005 | Issued May to December 2005 |
|---|---|---|
| Rules (TreasuryDirect page) | EE bonds issued May 1997 through April 2005 | EE bonds issued May 2005 and later |
| Regulation | 31 CFR 351.29 to 351.33 | 31 CFR 351.34, 351.35; 70 FR 17288 (April 5, 2005) |
| Price | Paper: half of face; electronic: face | Same |
| 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 | Fixed rate announced for the 6-month issue period: 3.50% (May to October 2005), 3.20% (November and December 2005) |
| When interest is added | Monthly, compounded semiannually | Monthly, compounded semiannually |
| Original maturity | 20 years (January to April 2025) | 20 years (May to December 2025) |
| Guarantee at original maturity | Paper at least face, electronic at least double the price, one-time adjustment if needed (351.32(b)) | Paper at least face, electronic at least double the price (351.35(f)) |
| Years 20 to 30 | "we use the same method unless we announce a different method" (TreasuryDirect) | Treasury may change the rate or method if it announces it before the bond is 20; none announced as of November 11, 2026 |
| Rate for 6-month periods starting on or after November 1, 2026 | 4.02% | Not stated (see the section on years 20 to 30) |
| Final maturity (interest stops) | January 1 to April 1, 2035 | May 1 to December 1, 2035 |
| Minimum holding period; 3-month penalty | 12 months (issue dates on or after February 1, 2003); penalty under 5 years for EE from May 1997, already in Treasury's values; no 2005 bond is under 5 years | Same |
Sources: TreasuryDirect EE pages (as of November 11, 2026); 31 CFR Part 351 (eCFR, as of November 9, 2026); 70 FR 17288.
January to April 2005: 90% of 5-Year Treasury Yields
A 2005 EE bond issued January to April earns 4.02% for each 6-month period that starts on or after November 1, 2026 (TreasuryDirect). The rate is 90% of the 6-month average of 5-year yields, reset May 1 and November 1 (31 CFR 351.13, 351.30).
May to December 2005: Fixed Rates of 3.50% and 3.20%
A 2005 EE bond issued May to October 2005 carries a fixed rate of 3.50%, and one issued November or December 2005 a fixed rate of 3.20% (TreasuryDirect; 31 CFR 351.34, 351.35). The rate never resets. See savings bond interest rates by issue date for every fixed rate since May 2005.
Original Maturity at 20 Years, in 2025
Every 2005 EE bond reached original maturity after 20 years, between January and December 2025, when each paper bond was worth at least its face value (31 CFR 351.32(b), 351.35(f)(1)).
What 2005 Fixed-Rate Bonds Earn After 20 Years
Treasury may change the rate or method for the last 10 years of a May to December 2005 bond. It must announce any change before the bond is 20 years old, and TreasuryDirect shows none as of November 11, 2026.
Its page says: "If we do that, we must do it before the bond is 20 years old."
May 2005 issues were the first fixed-rate EE bonds to pass 20 years, on May 1, 2025. The value file shows each gaining value monthly through May 2027.
Why Each 2005 Issue Month Is Worth Less Than the One Before
Each 2005 issue month is worth less than the month before it in November 2026 because a later issue month has earned interest for fewer months. Per $100, January is $106.72 and December $102.96, $3.76 apart.
Most steps are $0.28 or $0.32, but $0.44 from April to May (fixed rate begins) and $0.60 from October to November (3.50% to 3.20%).
How 2005 Values Change From November 2026 to May 2027
Every 2005 EE bond gains value on the 1st of each month from November 2026 to May 2027 in Treasury's value file. A $100 January 2005 bond rises from $106.72 to $108.76 and a December bond from $102.96 to $104.60. Table 3 shows six issue months.
Table 3: A $100 2005 EE bond, November 2026 to May 2027
| Issue month | Nov 2026 | Dec 2026 | Jan 2027 | Feb 2027 | Mar 2027 | Apr 2027 | May 2027 |
|---|---|---|---|---|---|---|---|
| January 2005 | $106.72 | $107.00 | $107.32 | $107.68 | $108.04 | $108.40 | $108.76 |
| April 2005 | $105.80 | $106.12 | $106.40 | $106.72 | $107.00 | $107.32 | $107.68 |
| May 2005 | $105.36 | $105.68 | $105.96 | $106.28 | $106.60 | $106.88 | $107.20 |
| October 2005 | $103.84 | $104.16 | $104.48 | $104.76 | $105.08 | $105.36 | $105.68 |
| November 2005 | $103.24 | $103.52 | $103.80 | $104.08 | $104.32 | $104.60 | $104.88 |
| December 2005 | $102.96 | $103.24 | $103.52 | $103.80 | $104.08 | $104.32 | $104.60 |
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 2005 Savings Bond
Treasury prices a 2005 EE bond by 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.
- 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 2005 paper bond bought at face value is Series I, not EE.
How 2005 Values Compare With 2003, 2004, 2006 and 2007 Issues
2005 values sit between 2004 and 2006 at both ends of the year, but a May 2006 bond is worth more than most 2005 bonds.
January 2005 ($106.72 per $100) is below December 2004 ($107.00), and December 2005 ($102.96) is above January 2006 ($102.68). May 2006 ($106.00, fixed 3.70%) beats every 2005 issue from April on. Table 4 shows the nearby years.
Table 4: What a $100 EE bond issued 2003 to 2007 is worth in November 2026
| Issue months | $100 value, November 2026 | Rule | Status | Year page |
|---|---|---|---|---|
| January to December 2003 | $111.12 to $117.80 | 90% of 5-year yields; 17 years to May, 20 from June | Earns until 2033 | 2003 |
| January to December 2004 | $107.00 to $110.80 | 90% of 5-year yields; 20 years | Earns until 2034 | 2004 |
| December 2004 | $107.00 | 90% of 5-year yields | Earns until December 1, 2034 | 2004, above |
| January 2005 | $106.72 | 90% of 5-year yields | Earns until January 1, 2035 | This page |
| April 2005 | $105.80 | 90% of 5-year yields (last month) | Earns until April 1, 2035 | This page |
| May 2005 | $105.36 | Fixed 3.50% (first month) | Earns until May 1, 2035 | This page |
| December 2005 | $102.96 | Fixed 3.20% | Earns until December 1, 2035 | This page |
| January 2006 | $102.68 | Fixed 3.20% | Earns until January 1, 2036 | 2006, below |
| May 2006 | $106.00 | Fixed 3.70% | Earns until May 1, 2036 | 2006, below |
| January to December 2006 | $101.80 to $106.00 | Fixed rate | Earns until 2036 | 2006 |
| January to December 2007 | $87.84 to $101.48 | Fixed rate | Earns until 2037 | 2007 |
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 2005 Savings Bond and Reporting Its Interest
A 2005 paper EE bond is cashed at a bank that redeems savings bonds or by mail with FS Form 1522, and Treasury charges no fee. Banks may cash paper bonds but need not (FS Publication 0022, Rev. October 2022). See how to cash savings bonds.
FS Form 1522 (Revised April 2026, PDF from TreasuryDirect) needs no certification at $1,000 or less (one $500 bond: $514.80 to $533.60), but enclose a copy of your ID. Above $1,000 (one $1,000 bond: $1,029.60 to $1,067.20), 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 (TreasuryDirect, as of November 11, 2026). See cash by mail with FS Form 1522.
Tax Year 2035: When Interest on a 2005 Bond Is Reportable
Interest on a 2005 bond that is never cashed is reportable for tax year 2035, the year of its final maturity, unless reported yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
Interest is the value minus the price: $56.72 on a $100 January 2005 bond in November 2026. It is exempt from state and local income tax (31 U.S.C. 3124(a)).
A bond cashed earlier, or reissued to another person, is reportable for that earlier year. See federal tax on savings bond interest; ask a tax professional about your case.
Payers report $10 or more on Form 1099-INT for savings bonds. Form 8815 can exclude interest used for education; the 2026 phase-out is $101,800 to $116,800 single, $152,650 to $182,650 joint (education savings bond program).
Lost, Inherited or Electronic 2005 Bonds, and 2005 I Bonds
A lost 2005 bond is claimed with FS Form 1048 (Revised March 2026), and from 2041 the claim needs the serial number (31 CFR 353.29(c); 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, else to the estate (31 CFR 353.70); see savings bonds after death.
An electronic EE bond is sold at face value and is worth at least double its price at 20 years; see electronic savings bonds.
A paper 2005 I bond earns until 2035: a fixed rate of 1.00% (January to April, November, December) or 1.20% (May to October), plus the semiannual inflation rate; see Series I savings bonds. No Series HH was sold in 2005; see Series HH savings bonds.
Other Issue Years and Face Values
Value tables for other issue years and face values follow.
- 2002 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
2005 Savings Bond FAQ
How much is a $50 savings bond worth that was purchased in 2005?
A $50 savings bond purchased in 2005 cost $25 and is worth $51.48 to $53.36 in November 2026, January 2005 highest. See $50 savings bond worth.
Are EE bonds sold at face value?
Paper EE bonds were sold at half of face value, and electronic EE bonds are sold at face value. A $100 paper bond from 2005 cost $50 (Series EE savings bonds).
Do United States savings bonds ever expire?
Savings bonds do not expire: they stop earning interest at final maturity but can be cashed at any time after it. 2005 bonds stop in 2035; 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. See the 2008 Series EE savings bond value.
How much is a $100 savings bond from 2005 worth after 30 years?
A $100 savings bond from 2005 reaches 30 years in 2035, and Treasury's value file does not yet show its final value. It is worth $102.96 to $106.72 in November 2026. See $100 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.