A $100 Series EE savings bond issued in 2007 is worth $87.84 to $101.48 in November 2026, and a $50 bond $43.92 to $50.74, by issue month.
January to April issues are worth more than face value (the amount printed on the bond); May to December issues are worth less until their 20-year date in 2027, when a paper bond is guaranteed at least face.
Values come from Treasury's Savings Bonds Value Files and change on the 1st of each month.
Values for November 2026
How Much Is a 2007 Series EE Savings Bond Worth in November 2026?
A 2007 paper Series EE bond is worth $43.92 (a $50 bond issued December 2007) to $1,014.80 (a $1,000 bond issued January 2007) in November 2026. Paper EE bonds sold for half of face through December 2011.
Table 1 gives the redemption value (what Treasury pays if you cash the bond) by issue month and face value. The rules of Series EE savings bonds issued May 2005 and later set one fixed rate per bond.
Table 1: 2007 Series EE savings bond value by issue month and face value, November 2026
| Issue month | $50 | $75 | $100 | $200 | $500 | $1,000 | $5,000 | $10,000 | Fixed rate | Reaches 20 years | Interest stops |
|---|---|---|---|---|---|---|---|---|---|---|---|
| January 2007 | $50.74 | $76.11 | $101.48 | $202.96 | $507.40 | $1,014.80 | $5,074.00 | $10,148.00 | 3.60% | Jan 1, 2027 | Jan 1, 2037 |
| February 2007 | $50.58 | $75.87 | $101.16 | $202.32 | $505.80 | $1,011.60 | $5,058.00 | $10,116.00 | 3.60% | Feb 1, 2027 | Feb 1, 2037 |
| March 2007 | $50.44 | $75.66 | $100.88 | $201.76 | $504.40 | $1,008.80 | $5,044.00 | $10,088.00 | 3.60% | Mar 1, 2027 | Mar 1, 2037 |
| April 2007 | $50.28 | $75.42 | $100.56 | $201.12 | $502.80 | $1,005.60 | $5,028.00 | $10,056.00 | 3.60% | Apr 1, 2027 | Apr 1, 2037 |
| Rate 3.40% from May 1, 2007 | |||||||||||
| May 2007 | $48.22 | $72.33 | $96.44 | $192.88 | $482.20 | $964.40 | $4,822.00 | $9,644.00 | 3.40% | May 1, 2027 (at least face) | May 1, 2037 |
| June 2007 | $48.10 | $72.15 | $96.20 | $192.40 | $481.00 | $962.00 | $4,810.00 | $9,620.00 | 3.40% | Jun 1, 2027 (at least face) | Jun 1, 2037 |
| July 2007 | $47.96 | $71.94 | $95.92 | $191.84 | $479.60 | $959.20 | $4,796.00 | $9,592.00 | 3.40% | Jul 1, 2027 (at least face) | Jul 1, 2037 |
| August 2007 | $47.82 | $71.73 | $95.64 | $191.28 | $478.20 | $956.40 | $4,782.00 | $9,564.00 | 3.40% | Aug 1, 2027 (at least face) | Aug 1, 2037 |
| September 2007 | $47.68 | $71.52 | $95.36 | $190.72 | $476.80 | $953.60 | $4,768.00 | $9,536.00 | 3.40% | Sep 1, 2027 (at least face) | Sep 1, 2037 |
| October 2007 | $47.56 | $71.34 | $95.12 | $190.24 | $475.60 | $951.20 | $4,756.00 | $9,512.00 | 3.40% | Oct 1, 2027 (at least face) | Oct 1, 2037 |
| Rate 3.00% from November 1, 2007 | |||||||||||
| November 2007 | $44.04 | $66.06 | $88.08 | $176.16 | $440.40 | $880.80 | $4,404.00 | $8,808.00 | 3.00% | Nov 1, 2027 (at least face) | Nov 1, 2037 |
| December 2007 | $43.92 | $65.88 | $87.84 | $175.68 | $439.20 | $878.40 | $4,392.00 | $8,784.00 | 3.00% | Dec 1, 2027 (at least face) | Dec 1, 2037 |
Italic values are below face until the 20-year date. Values are shown for every paper EE face value in 31 CFR 351.40; the face value is printed on your bond. Every 2007 bond still earns interest, so these values change on the 1st of each month.
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 face/25.
How Much Is a $50 Savings Bond From 2007 Worth?
A $50 savings bond from 2007 is worth $50.28 to $50.74 (January to April issues), $47.56 to $48.22 (May to October issues) or $43.92 to $44.04 (November and December issues) in November 2026. A $50 bond issued May to December 2007 reaches at least $50 on its 20-year date, in 2027.
The Three Fixed Rates Behind 2007 Values
Every 2007 EE bond earns one fixed rate: 3.60% for January to April issues, 3.40% for May to October and 3.00% for November and December. Fixed rates apply to EE bonds issued from May 1, 2005 (70 FR 17288; 31 CFR 351.34, 351.35).
A $100 bond drops $4.12 from April to May 2007 issues and $7.04 from October to November (November 2026 values). See savings bond interest rates by issue date for every rate.
The table shows the fixed rate each group of 2007 issue months earns and what it means for value.
Table 2: The three fixed rates of 2007 EE bonds
| Issue months | Fixed rate (announced) | $100 bond, November 2026 | 20-year date | At 20 years | Interest stops |
|---|---|---|---|---|---|
| January to April 2007 | 3.60% (November 1, 2006) | $100.56 to $101.48 | January to April 2027 | already above face | January to April 2037 |
| May to October 2007 | 3.40% (May 1, 2007) | $95.12 to $96.44 | May to October 2027 | at least $100 (paper) | May to October 2037 |
| November and December 2007 | 3.00% (November 1, 2007) | $87.84 to $88.08 | November and December 2027 | at least $100 (paper) | November and December 2037 |
Sources: TreasuryDirect, EE bonds issued May 2005 and later (rate table, read November 11, 2026); 31 CFR 351.34 and 351.35 (eCFR); Savings Bonds Value Files, November 2026.
Why May to December 2007 Bonds Are Worth Less Than Face Value
May to December 2007 bonds are worth less than face value because a paper EE bond cost half of face and its 3.40% or 3.00% fixed rate has not yet doubled that price.
Eight of the 12 issue months of 2007 are below face in November 2026, the first of 56 below-face months through December 2011.
Table 3: 2007 EE bonds below face value, and when each reaches face
| Issue month | $100 value, November 2026 | Below face by | At least $100 on |
|---|---|---|---|
| May 2007 | $96.44 | $3.56 | May 1, 2027 |
| June 2007 | $96.20 | $3.80 | June 1, 2027 |
| July 2007 | $95.92 | $4.08 | July 1, 2027 |
| August 2007 | $95.64 | $4.36 | August 1, 2027 |
| September 2007 | $95.36 | $4.64 | September 1, 2027 |
| October 2007 | $95.12 | $4.88 | October 1, 2027 |
| November 2007 | $88.08 | $11.92 | November 1, 2027 |
| December 2007 | $87.84 | $12.16 | December 1, 2027 |
Treasury guarantees a paper EE bond is worth at least its face value at original maturity, 20 years after issue (31 CFR 351.35(f)(1)). For another face value, multiply the $100 figures by the face value divided by 100 (for a $500 bond, by 5).
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 face/25.
The 20-Year Date: When Each 2007 Bond Reaches Face Value
A paper EE bond issued May to December 2007 is worth at least its face value on its 20-year date, May 1 to December 1, 2027. 31 CFR 351.35(f)(1) sets it at original maturity, 20 years after issue.
In November 2026 the shortfall per $100 runs from $3.56 (May 2007) to $12.16 (December 2007). Treasury's file shows the May 2007 step ($97.80 in April 2027, $100.00 in May 2027); later steps are not yet published. See when savings bonds mature.
Why January to April 2007 Bonds Are Already Above Face
January to April 2007 bonds are worth more than face because their 3.60% rate, compounded semiannually, has more than doubled the half-of-face price. They are worth $100.56 to $101.48 per $100 in November 2026 and get no step at 20 years: the January 2007 $100 bond is scheduled at $102.08 in January 2027.
How 2007 Values Change Month by Month Through May 2027
Every 2007 bond earns interest until 2037, so its value rises or holds on the 1st of each month until final maturity. Treasury may change the rate for years 20 to 30 only by announcing it before the bond turns 20 (TreasuryDirect); none appears there as of November 11, 2026.
Table 4: Six 2007 EE bonds of $100, November 2026 to May 2027
| Issue month | Nov 2026 | Dec 2026 | Jan 2027 | Feb 2027 | Mar 2027 | Apr 2027 | May 2027 |
|---|---|---|---|---|---|---|---|
| January 2007 | $101.48 | $101.80 | $102.08 (20-year date) | $102.40 | $102.68 | $103.00 | $103.32 |
| April 2007 | $100.56 | $100.88 | $101.16 | $101.48 | $101.80 | $102.08 | $102.40 |
| May 2007 | $96.44 | $96.72 | $97.00 | $97.24 | $97.52 | $97.80 | $100.00 (20-year date) |
| October 2007 | $95.12 | $95.36 | $95.64 | $95.92 | $96.20 | $96.44 | $96.72 |
| November 2007 | $88.08 | $88.28 | $88.52 | $88.72 | $88.96 | $89.16 | $89.40 |
| December 2007 | $87.84 | $88.08 | $88.28 | $88.52 | $88.72 | $88.96 | $89.16 |
Future months are Treasury's scheduled values in the current value files; values for months after May 2027 are not yet published.
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 face/25.
How to Find the Exact Value of Your 2007 Savings Bond
Treasury prices a 2007 EE bond by face value and issue month; no serial number is needed. Treasury's free savings bond calculator and our savings bond calculator, built on Treasury's published value files, use those inputs.
- Check that the bond says Series EE, not I.
- Read the issue date; see how to read the issue date on a paper savings bond.
- Read the face value.
- Find the row and column in Table 1.
- Check the value month: November 2026.
Cashing a 2007 Savings Bond and Reporting Its Interest
A 2007 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 for both routes.
Banks may cash paper savings bonds but are not required to (FS Publication 0022, Rev. October 2022).
FS Form 1522 (revised April 2026; the form, PDF, TreasuryDirect) needs a notary or certifying officer only above $1,000 per request. So a $1,000 bond issued January to April 2007 ($1,005.60 to $1,014.80 in November 2026) needs one, and a bond issued May to December 2007 ($878.40 to $964.40) does not.
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150. You can cash by mail with FS Form 1522.
Tax on 2007 Bond Interest and the Education Exclusion
Interest on a 2007 bond is federally taxable in the year you cash it or in 2037, its final-maturity year, whichever comes first, unless the owner reported it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
On a $100 bond issued January 2007 and cashed in November 2026, interest is $51.48 ($101.48 minus the $50 price); it is exempt from state and local income tax (31 U.S.C. 3124(a)). See federal tax on savings bond interest. Form 1099-INT for savings bonds reports $10 or more of interest.
The education exclusion (IRC 135, Form 8815) can cover EE bonds issued after 1989 if the owner was 24 or older before the issue date, never a bond in a child's name; the 2026 phase-out is $101,800 to $116,800 (single or head of household) and $152,650 to $182,650 (joint) (Rev.
Proc. 2025-32). See the education savings bond program and Form 8815; ask a tax professional.
Electronic 2007 EE Bonds, Patriot Bonds and Gulf Coast Recovery Bonds
A 2007 savings bond can be a paper EE bond (this page), an electronic EE bond in TreasuryDirect, or a Series I bond, paper or electronic.
- Electronic EE bonds sell at face and are worth at least double the purchase price at 20 years (31 CFR 351.35(f)(2)) and show a value only in your TreasuryDirect account. See electronic savings bonds and TreasuryDirect accounts.
- Patriot Bonds are paper EE bonds (December 2001 to December 2011) valued as in Table 1. See Patriot Bonds (Series EE, 2001 to 2011).
- Series I bonds include the paper Gulf Coast Recovery Bond, issued March 29, 2006 to September 30, 2007. See Series I savings bonds.
Lost, Found or Inherited 2007 Bonds
A lost 2007 bond is claimed with FS Form 1048 (revised March 2026). See the FS Form 1048 claim for lost savings bonds.
A surviving "OR" co-owner or POD (payable-on-death) beneficiary takes the bond, otherwise the estate of the last owner to die (31 CFR 353.70); see savings bonds after death. For a bond you found, see found old savings bonds.
Other Issue Years and Face Values
Related value pages follow.
- 2006 Series EE savings bond value
- 2008 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
2007 Savings Bond FAQ
How much is a $100 savings bond from 2007 worth after 30 years?
No one can state a 2037 value yet. Treasury's file runs only to May 2027, and no new rate for years 20 to 30 is announced as of November 11, 2026 (31 CFR 351.35(b)(1); TreasuryDirect).
Is it worth keeping a 2007 EE bond after 20 years?
A 2007 EE bond keeps earning until 30 years, in 2037; a May to December 2007 paper bond reaches at least face only at 20 years. See when to cash savings bonds.
How long does it take for a $50 EE savings bond from 2007 to mature?
Original maturity comes after 20 years (January to December 2027) and final maturity after 30 years (2037). See when savings bonds mature.
Can I cash a 2007 savings bond early?
Yes: every 2007 bond is past the 12-month minimum holding period and the 5-year penalty window, so it can be cashed at full value. The 3-month penalty hits only EE bonds issued May 1997 and later cashed before 5 years (31 CFR 351.51(b)).
How much is a 2005 Series EE bond worth today?
A $100 Series EE bond issued in 2005 is worth $102.96 to $106.72 in November 2026, and a $50 bond $51.48 to $53.36. Every 2005 Series EE savings bond earns interest until 2035.
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.