A $100 Series EE savings bond issued in 2008 is worth $63.00 to $87.64 in November 2026, and a $50 bond $31.50 to $43.82, by issue month.
Every 2008 bond is worth less than face value (the amount printed on the bond), because a paper EE bond cost half of face and reaches at least face only on its 20-year date in 2028.
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 2008 Series EE Savings Bond Worth in November 2026?
A 2008 paper Series EE bond is worth $31.50 (a $50 bond issued December 2008) to $8,764.00 (a $10,000 bond issued January 2008) in November 2026.
Table 1 gives the redemption value (what Treasury pays if you cash the bond) by issue month and face value under the rules of Series EE savings bonds issued May 2005 and later set one fixed rate per bond.
Table 1: 2008 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rate 3.00% from November 1, 2007 (January to April 2008 issues) | |||||||||||
| January 2008 | $43.82 | $65.73 | $87.64 | $175.28 | $438.20 | $876.40 | $4,382.00 | $8,764.00 | 3.00% | Jan 1, 2028 (at least face) | Jan 1, 2038 |
| February 2008 | $43.70 | $65.55 | $87.40 | $174.80 | $437.00 | $874.00 | $4,370.00 | $8,740.00 | 3.00% | Feb 1, 2028 (at least face) | Feb 1, 2038 |
| March 2008 | $43.60 | $65.40 | $87.20 | $174.40 | $436.00 | $872.00 | $4,360.00 | $8,720.00 | 3.00% | Mar 1, 2028 (at least face) | Mar 1, 2038 |
| April 2008 | $43.48 | $65.22 | $86.96 | $173.92 | $434.80 | $869.60 | $4,348.00 | $8,696.00 | 3.00% | Apr 1, 2028 (at least face) | Apr 1, 2038 |
| Rate 1.40% from May 1, 2008 | |||||||||||
| May 2008 | $32.36 | $48.54 | $64.72 | $129.44 | $323.60 | $647.20 | $3,236.00 | $6,472.00 | 1.40% | May 1, 2028 (at least face) | May 1, 2038 |
| June 2008 | $32.32 | $48.48 | $64.64 | $129.28 | $323.20 | $646.40 | $3,232.00 | $6,464.00 | 1.40% | Jun 1, 2028 (at least face) | Jun 1, 2038 |
| July 2008 | $32.28 | $48.42 | $64.56 | $129.12 | $322.80 | $645.60 | $3,228.00 | $6,456.00 | 1.40% | Jul 1, 2028 (at least face) | Jul 1, 2038 |
| August 2008 | $32.26 | $48.39 | $64.52 | $129.04 | $322.60 | $645.20 | $3,226.00 | $6,452.00 | 1.40% | Aug 1, 2028 (at least face) | Aug 1, 2038 |
| September 2008 | $32.22 | $48.33 | $64.44 | $128.88 | $322.20 | $644.40 | $3,222.00 | $6,444.00 | 1.40% | Sep 1, 2028 (at least face) | Sep 1, 2038 |
| October 2008 | $32.18 | $48.27 | $64.36 | $128.72 | $321.80 | $643.60 | $3,218.00 | $6,436.00 | 1.40% | Oct 1, 2028 (at least face) | Oct 1, 2038 |
| Rate 1.30% from November 1, 2008 | |||||||||||
| November 2008 | $31.54 | $47.31 | $63.08 | $126.16 | $315.40 | $630.80 | $3,154.00 | $6,308.00 | 1.30% | Nov 1, 2028 (at least face) | Nov 1, 2038 |
| December 2008 | $31.50 | $47.25 | $63.00 | $126.00 | $315.00 | $630.00 | $3,150.00 | $6,300.00 | 1.30% | Dec 1, 2028 (at least face) | Dec 1, 2038 |
Italic values are below face until the 20-year date in 2028. Values are shown for every paper EE face value in 31 CFR 351.40; the face value is printed on your bond.
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.
What a $50, $100 or $1,000 Bond From 2008 Is Worth
A $50 bond from 2008 is worth $43.48 to $43.82 (January to April issues), $32.18 to $32.36 (May to October) or $31.50 to $31.54 (November and December) in November 2026. A $100 bond is worth $86.96 to $87.64, $64.36 to $64.72 and $63.00 to $63.08; a $1,000 bond ten times that.
The Three Fixed Rates Behind 2008 Values
Every 2008 EE bond earns the fixed rate Treasury announced for its 6-month issue period: 3.00% (announced November 1, 2007, for November 2007 to April 2008 issues), 1.40% (May 1, 2008, for May to October 2008) and 1.30% (November 1, 2008, for November 2008 to April 2009).
Fixed rates apply to EE bonds issued from May 1, 2005 (70 FR 17288; 31 CFR 351.34, 351.35).
A $100 bond issued May 2008 is worth $64.72 in November 2026, $22.24 less than an April 2008 bond ($86.96): the largest gap between consecutive issue months from May 2005 to December 2011. October to November 2008 differ by only $1.28. See savings bond interest rates by issue date for every rate.
Table 2: The three fixed rates of 2008 EE bonds
| Issue months | Fixed rate (announced) | $100 bond, November 2026 | Reaches at least $100 |
|---|---|---|---|
| January to April 2008 | 3.00% (November 1, 2007) | $86.96 to $87.64 | January to April 2028 |
| May to October 2008 | 1.40% (May 1, 2008) | $64.36 to $64.72 | May to October 2028 |
| November and December 2008 | 1.30% (November 1, 2008) | $63.00 to $63.08 | November and December 2028 |
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 Every 2008 Savings Bond Is Worth Less Than Face Value
Every 2008 bond is worth less than face value because a paper EE bond cost half of face and none of the three 2008 rates (3.00%, 1.40%, 1.30%) doubles that price before the 20-year date.
All 12 issue months of 2008 are below face in November 2026, the first paper issue year with no month at or above face.
Table 3: 2008 EE bonds below face value, interest earned so far, and when each reaches face
| Issue month | $100 value, November 2026 | Interest so far | Below face by | At least $100 on |
|---|---|---|---|---|
| January 2008 | $87.64 | $37.64 | $12.36 | January 1, 2028 |
| February 2008 | $87.40 | $37.40 | $12.60 | February 1, 2028 |
| March 2008 | $87.20 | $37.20 | $12.80 | March 1, 2028 |
| April 2008 | $86.96 | $36.96 | $13.04 | April 1, 2028 |
| May 2008 | $64.72 | $14.72 | $35.28 | May 1, 2028 |
| June 2008 | $64.64 | $14.64 | $35.36 | June 1, 2028 |
| July 2008 | $64.56 | $14.56 | $35.44 | July 1, 2028 |
| August 2008 | $64.52 | $14.52 | $35.48 | August 1, 2028 |
| September 2008 | $64.44 | $14.44 | $35.56 | September 1, 2028 |
| October 2008 | $64.36 | $14.36 | $35.64 | October 1, 2028 |
| November 2008 | $63.08 | $13.08 | $36.92 | November 1, 2028 |
| December 2008 | $63.00 | $13.00 | $37.00 | December 1, 2028 |
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.
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 2008 Bond Reaches Face Value
A paper EE bond issued in 2008 is worth at least its face value on its 20-year date, January 1 to December 1, 2028 (31 CFR 351.35(f)(1)). If the rate has not doubled the price by then, TreasuryDirect describes a one-time adjustment up to face (31 CFR Part 351 sets the face guarantee).
The guarantee is "at least face value", not "double face value". A bond cashed earlier pays its value for that month, not face. See when savings bonds mature.
Interest Earned So Far Versus the Gap to Face
For a May to December 2008 bond, the gap to face in November 2026 is larger than all the interest earned since 2008: $13.00 to $14.72 earned per $100, against a gap of $35.28 to $37.00. January to April 2008 bonds have earned $36.96 to $37.64, with a gap of $12.36 to $13.04.
How 2008 Values Change Month by Month Through May 2027
Every 2008 bond still earns interest, so its value rises or holds on the 1st of each month; published values run to May 2027, and interest stops at final maturity, January to December 2038.
No 2008 issue month holds from November 2026 to May 2027; a $100 bond gains $0.40 (November 2008) to $1.32 (January to April 2008).
Treasury may change the rate for years 20 to 30 only by announcing it before the bond turns 20 (TreasuryDirect), for 2008 bonds before January 1 to December 1, 2028; none is announced as of November 11, 2026.
Table 4: Six 2008 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 2008 | $87.64 | $87.84 | $88.08 | $88.28 | $88.52 | $88.72 | $88.96 |
| April 2008 | $86.96 | $87.20 | $87.40 | $87.64 | $87.84 | $88.08 | $88.28 |
| May 2008 | $64.72 | $64.80 | $64.88 | $64.96 | $65.04 | $65.08 | $65.16 |
| October 2008 | $64.36 | $64.44 | $64.52 | $64.56 | $64.64 | $64.72 | $64.80 |
| November 2008 | $63.08 | $63.16 | $63.20 | $63.28 | $63.36 | $63.44 | $63.48 |
| December 2008 | $63.00 | $63.08 | $63.16 | $63.20 | $63.28 | $63.36 | $63.44 |
Future months are Treasury's scheduled values; Treasury has not released later months yet.
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 2008 Savings Bond
A 2008 EE bond is priced by face value and issue month, with no serial number. 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, always the 1st of a month; 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.
The printed Accrual Savings Bonds Redemption Tables ended with May 2023, so a value chart PDF shows old months.
Cashing a 2008 Savings Bond and Reporting Its Interest
A 2008 paper EE bond is cashed at a bank that redeems savings bonds (banks may but need not; FS Publication 0022, Rev. October 2022) or by mail with FS Form 1522, and Treasury charges no fee. See how to cash savings bonds.
FS Form 1522 (revised April 2026; the form, PDF, TreasuryDirect) needs a notary or certifying officer only above $1,000 in total. One 2008 $1,000 bond ($630.00 to $876.40 in November 2026) needs none, and any 2008 $5,000 bond ($3,150.00 to $4,382.00) does.
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; as of November 11, 2026, requests by mail requests take 3 months or longer for bonds in your name and 5 months or longer for bonds not in your name (TreasuryDirect). You can cash by mail with FS Form 1522.
Tax on 2008 Bond Interest and the Education Exclusion
Interest on a 2008 bond is federally taxable in the year you cash it, dispose of it (for example by reissue to someone else) or reach 2038, its final-maturity year, whichever comes first, unless the owner reported it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
Interest is value minus price: $14.72 on a $100 bond issued May 2008, $37.64 on one issued January 2008. It is exempt from state and local income tax (31 U.S.C. 3124(a)). See federal tax on savings bond interest; ask a tax professional.
Form 1099-INT, box 3, reports $10 or more (Form 1099-INT for savings bonds).
The education exclusion (IRC 135, Form 8815) covers EE bonds issued after 1989 if the owner was 24 or older before issue, never a bond in a child's name; it excludes married filing separately and needs the bonds cashed in the same tax year as the qualified expenses.
The 2026 phase-out is $101,800 to $116,800 (single, head of household or qualifying surviving spouse) and $152,650 to $182,650 (joint) (Rev. Proc. 2025-32). See the education savings bond program and Form 8815.
Electronic 2008 EE Bonds, Patriot Bonds and Paper I Bonds
A 2008 savings bond can be a paper EE bond (this page), an electronic EE bond in TreasuryDirect, or a paper Series I bond.
- Electronic EE bonds sell at face, are worth at least double the price at 20 years (31 CFR 351.35(f)(2)) and show a value only in your 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).
- Paper I bonds sold at face over the counter and through payroll until December 2011, and through federal tax refunds until January 1, 2025; no 2008 bond is a Gulf Coast Recovery Bond (issue ended September 30, 2007). See Series I savings bonds.
Lost, Found or Inherited 2008 Bonds
A lost 2008 bond is claimed with FS Form 1048 (revised March 2026); the serial number is mandatory only from 2044 (31 CFR 353.29(c)). See the FS Form 1048 claim for lost savings bonds.
For a bond you found, see found old savings bonds.
A surviving "OR" co-owner or POD (payable-on-death) beneficiary takes the bond, otherwise the owner's estate (for two co-owners, the estate of the one who died last; 31 CFR 353.70(b)(1), (b)(2), (c)(1)); see savings bonds after death. An electronic bond follows a deceased owner's TreasuryDirect account.
Other Issue Years and Face Values
A $50 bond from 2009 is worth $28.24 to $31.48 in November 2026.
- 2007 Series EE savings bond value
- 2009 Series EE savings bond value
- $50 savings bond worth, all years
- $100 savings bond worth, all years
- $1,000 savings bond worth, all years
- $5,000 savings bond worth, all years
- Banks that cash savings bonds
2008 Savings Bond FAQ
How much is a $100 savings bond from 2008 worth after 30 years?
No one can state a 2038 value yet. Treasury's file ends May 2027, and years 20 to 30 keep the fixed rate unless Treasury announces another before the bond turns 20 (31 CFR 351.35(b)(1)); none is announced as of November 11, 2026.
How much is a $100 savings bond from 2008 worth after 20 years?
A $100 2008 paper EE bond is worth at least $100 on its 20-year date, January 1 to December 1, 2028. See when savings bonds mature.
Is it worth keeping a 2008 EE bond after 20 years?
A 2008 EE bond keeps earning interest after 20 years, until 2038, and a paper 2008 bond reaches at least face only on its 20-year date in 2028. See when to cash savings bonds.
How often is interest paid on a 2008 EE bond?
A 2008 EE bond pays no interest out: interest accrues monthly, compounds semiannually and is added to the value on cashing (31 CFR 351.35(d)).
Do 2008 savings bonds ever expire?
No: savings bonds never expire and there is no deadline to cash them (Executive Order 13968, 85 FR 83745).
How much is a $50 savings bond worth that was purchased in 2005?
A $50 Series EE bond issued in 2005 is worth $51.48 to $53.36 in November 2026, and it earns until 2035. See the 2005 Series EE savings bond page.
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.