A $100 Series EE savings bond issued in 2009 is worth $56.48 to $62.96 in November 2026, and a $50 bond $28.24 to $31.48, by issue month. Every 2009 bond is below face value (the amount printed on it) because a paper EE bond cost half of face and reaches face only in 2029.
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 Savings Bond From 2009 Worth in November 2026?
A 2009 paper Series EE bond is worth $28.24 (a $50 bond issued October 2009) to $6,296.00 (a $10,000 bond issued January 2009) in November 2026. Table 1 gives the redemption value (what Treasury pays if you cash the bond) for 12 issue months and 8 face values.
A $50 bond cost $25 and a $100 bond $50. The rules for Series EE savings bonds issued May 2005 and later give each bond one fixed rate, set in its issue month.
Table 1: 2009 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 1.30% from November 1, 2008 (January to April 2009 issues) | |||||||||||
| January 2009 | $31.48 | $47.22 | $62.96 | $125.92 | $314.80 | $629.60 | $3,148.00 | $6,296.00 | 1.30% | Jan 1, 2029 (at least face) | Jan 1, 2039 |
| February 2009 | $31.44 | $47.16 | $62.88 | $125.76 | $314.40 | $628.80 | $3,144.00 | $6,288.00 | 1.30% | Feb 1, 2029 (at least face) | Feb 1, 2039 |
| March 2009 | $31.40 | $47.10 | $62.80 | $125.60 | $314.00 | $628.00 | $3,140.00 | $6,280.00 | 1.30% | Mar 1, 2029 (at least face) | Mar 1, 2039 |
| April 2009 | $31.38 | $47.07 | $62.76 | $125.52 | $313.80 | $627.60 | $3,138.00 | $6,276.00 | 1.30% | Apr 1, 2029 (at least face) | Apr 1, 2039 |
| Rate 0.70% from May 1, 2009 | |||||||||||
| May 2009 | $28.32 | $42.48 | $56.64 | $113.28 | $283.20 | $566.40 | $2,832.00 | $5,664.00 | 0.70% | May 1, 2029 (at least face) | May 1, 2039 |
| June 2009 | $28.30 | $42.45 | $56.60 | $113.20 | $283.00 | $566.00 | $2,830.00 | $5,660.00 | 0.70% | Jun 1, 2029 (at least face) | Jun 1, 2039 |
| July 2009 | $28.28 | $42.42 | $56.56 | $113.12 | $282.80 | $565.60 | $2,828.00 | $5,656.00 | 0.70% | Jul 1, 2029 (at least face) | Jul 1, 2039 |
| August 2009 | $28.26 | $42.39 | $56.52 | $113.04 | $282.60 | $565.20 | $2,826.00 | $5,652.00 | 0.70% | Aug 1, 2029 (at least face) | Aug 1, 2039 |
| September 2009 | $28.26 | $42.39 | $56.52 | $113.04 | $282.60 | $565.20 | $2,826.00 | $5,652.00 | 0.70% | Sep 1, 2029 (at least face) | Sep 1, 2039 |
| October 2009 | $28.24 | $42.36 | $56.48 | $112.96 | $282.40 | $564.80 | $2,824.00 | $5,648.00 | 0.70% | Oct 1, 2029 (at least face) | Oct 1, 2039 |
| Rate 1.20% from November 1, 2009 | |||||||||||
| November 2009 | $30.70 | $46.05 | $61.40 | $122.80 | $307.00 | $614.00 | $3,070.00 | $6,140.00 | 1.20% | Nov 1, 2029 (at least face) | Nov 1, 2039 |
| December 2009 | $30.68 | $46.02 | $61.36 | $122.72 | $306.80 | $613.60 | $3,068.00 | $6,136.00 | 1.20% | Dec 1, 2029 (at least face) | Dec 1, 2039 |
Italic values are below face until the 20-year date in 2029. 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.
How Much Is a $50 Savings Bond From 2009 Worth?
A $50 savings bond from 2009 is worth $31.38 to $31.48 (January to April issues), $28.24 to $28.32 (May to October) or $30.68 to $30.70 (November and December) in November 2026. A $100 bond is worth $62.76 to $62.96, $56.48 to $56.64 or $61.36 to $61.40.
The Three Fixed Rates Behind 2009 Values
Every 2009 EE bond earns the fixed rate Treasury announced for its 6-month issue period: 1.30% for January to April, 0.70% (May 1, 2009) for May to October and 1.20% (November 1, 2009) for November and December. Interest compounds semiannually (31 CFR 351.34, 351.35; 70 FR 17288).
Only November 2010 and November 2011 (0.60%) had a lower rate among the 14 rate periods from May 2005 to November 2011. A $100 bond issued May 2009 is worth $6.12 less than one issued April 2009 ($56.64 against $62.76 in November 2026). See savings bond interest rates by issue date.
Table 2: The three fixed rates of 2009 EE bonds
| Issue months | Fixed rate (announced) | $100 bond, November 2026 | Reaches at least $100 |
|---|---|---|---|
| January to April 2009 | 1.30% (November 1, 2008) | $62.76 to $62.96 | January to April 2029 |
| May to October 2009 | 0.70% (May 1, 2009) | $56.48 to $56.64 | May to October 2029 |
| November and December 2009 | 1.20% (November 1, 2009) | $61.36 to $61.40 | November and December 2029 |
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 a November 2009 Bond Is Worth More Than an October 2009 Bond
A $100 bond issued November 2009 is worth $61.40 in November 2026, $4.92 more than one issued a month earlier ($56.48), because the fixed rate rose from 0.70% to 1.20% on November 1, 2009.
This $4.92 rise is the largest between consecutive issue months from May 2005 to December 2011. August and September 2009 bonds are worth the same ($56.52 per $100), as are a January 2009 and a May 2010 bond ($62.96).
Why Every 2009 Savings Bond Is Worth Less Than Face Value
Every 2009 bond is worth less than face value because a paper EE bond cost half of face and none of the three 2009 rates (1.30%, 0.70%, 1.20%) doubles that price before the 20-year date. All 12 issue months of 2009 are below face in November 2026. Table 3 shows the gap for each month.
Table 3: 2009 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 2009 | $62.96 | $12.96 | $37.04 | January 1, 2029 |
| February 2009 | $62.88 | $12.88 | $37.12 | February 1, 2029 |
| March 2009 | $62.80 | $12.80 | $37.20 | March 1, 2029 |
| April 2009 | $62.76 | $12.76 | $37.24 | April 1, 2029 |
| May 2009 | $56.64 | $6.64 | $43.36 | May 1, 2029 |
| June 2009 | $56.60 | $6.60 | $43.40 | June 1, 2029 |
| July 2009 | $56.56 | $6.56 | $43.44 | July 1, 2029 |
| August 2009 | $56.52 | $6.52 | $43.48 | August 1, 2029 |
| September 2009 | $56.52 | $6.52 | $43.48 | September 1, 2029 |
| October 2009 | $56.48 | $6.48 | $43.52 | October 1, 2029 |
| November 2009 | $61.40 | $11.40 | $38.60 | November 1, 2029 |
| December 2009 | $61.36 | $11.36 | $38.64 | December 1, 2029 |
Table note: for another face value, multiply the $100 figures by the face value divided by 100. A $100 paper EE bond cost $50.
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 2009 Bond Reaches Face Value
A paper EE bond issued in 2009 is worth at least its face value on its 20-year date, January 1 to December 1, 2029 (31 CFR 351.35(f)(1)). The guarantee is "at least face value", not "double face value"; a one-time adjustment up to face applies if the rate has not doubled the price.
A bond cashed earlier pays its value for that month, not face. No 2029 value is published yet; see when savings bonds mature.
Interest Earned So Far Versus the Step to Face
For a May to October 2009 bond, the step to face at 20 years is more than six times all interest earned since 2009: $6.48 to $6.64 per $100, against a gap of $43.36 to $43.52.
January to April bonds have earned $12.76 to $12.96 (gap $37.04 to $37.24), November and December bonds $11.36 to $11.40.
How 2009 Values Change Month by Month Through May 2027
Every 2009 bond still earns interest, so its value rises or holds on the 1st of each month until final maturity, January to December 2039.
Each May to October 2009 bond holds once from November 2026 to May 2027 (May 2009 in February 2027, October 2009 in January 2027); the other bonds rise every month, and no value falls.
In six months a $100 bond gains $0.40 (January to April issues), $0.20 (May to October) or $0.36 (November and December).
Treasury can change the rate for years 20 to 30 by announcing a different rate or changing the terms before the bond turns 20 (31 CFR 351.35(b)(1)); none is announced as of November 11, 2026 (TreasuryDirect).
Table 4: Six 2009 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 2009 | $62.96 | $63.00 | $63.08 | $63.16 | $63.20 | $63.28 | $63.36 |
| April 2009 | $62.76 | $62.80 | $62.88 | $62.96 | $63.00 | $63.08 | $63.16 |
| May 2009 | $56.64 | $56.68 | $56.72 | $56.72 | $56.76 | $56.80 | $56.84 |
| October 2009 | $56.48 | $56.52 | $56.52 | $56.56 | $56.60 | $56.64 | $56.68 |
| November 2009 | $61.40 | $61.48 | $61.52 | $61.60 | $61.64 | $61.72 | $61.76 |
| December 2009 | $61.36 | $61.40 | $61.48 | $61.52 | $61.60 | $61.64 | $61.72 |
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 2009 Savings Bond
Find the exact value of a 2009 EE bond from its face value and issue month; the serial number is not needed. Treasury's free savings bond calculator and our savings bond calculator, built on Treasury's published files, use both.
- Check the 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 2009 Savings Bond and Reporting Its Interest
A 2009 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; the form, PDF, TreasuryDirect) needs a notary or certifying officer (an official who verifies signatures) only above $1,000 in total. One 2009 $1,000 bond ($564.80 to $629.60 in November 2026) needs none; two always do, and any 2009 $5,000 bond does.
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; as of November 11, 2026, bonds in your name take three months or longer (TreasuryDirect). You can cash by mail with FS Form 1522.
Tax on 2009 Bond Interest and the Education Exclusion
Interest on a 2009 bond is federally taxable in the year you cash it or in 2039, its final-maturity year, whichever comes first, unless the owner reports it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550). See federal tax on savings bond interest; ask a tax professional.
Interest is value minus price: $6.64 on a $100 bond issued May 2009, $12.96 on one issued January 2009, if cashed in November 2026; state and local income tax does not apply (31 U.S.C. 3124(a)). 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 to owners 24 or older before issue; the 2026 phase-out is $101,800 to $116,800 (single) and $152,650 to $182,650 (joint) (Rev. Proc. 2025-32). See the education savings bond program and Form 8815.
Electronic 2009 EE Bonds, Patriot Bonds and Paper I Bonds
A 2009 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 and are worth at least double the price at 20 years (31 CFR 351.35(f)(2)); see electronic savings bonds and TreasuryDirect accounts.
- Patriot Bonds are paper EE bonds sold December 2001 to December 2011, valued as in Table 1; see Patriot Bonds (Series EE, 2001 to 2011).
- Paper I bonds sold over the counter until December 2011; the -2.78% I bond inflation rate set May 1, 2009 (I bonds earned 0.00% then) does not apply to EE. See Series I savings bonds.
Lost, Found or Inherited 2009 Bonds
A lost 2009 bond is claimed with FS Form 1048 (revised March 2026); the serial number is mandatory only from 2045 for 2009 bonds (31 CFR 353.29(c)). See the FS Form 1048 claim for lost savings bonds, or found old savings bonds.
A surviving "OR" co-owner or POD (payable-on-death) beneficiary becomes the owner, otherwise the estate (31 CFR 353.70(b)(1), (c)(1); estate: 353.70(a), (b)(2)). See savings bonds after death; electronic bonds follow a deceased owner's TreasuryDirect account.
Other Issue Years and Face Values
A $50 bond from 2008 is worth $31.50 to $43.82 and one from 2010 $27.54 to $31.48 in November 2026.
- 2008 Series EE savings bond value
- 2010 Series EE savings bond value
- 2011 Series EE savings bond value
- 2007 Series EE savings bond value, including a $100 bond from 2007 after 30 years
- $50 savings bond worth, all years
- $75 savings bond worth, all years
- $100 savings bond worth, all years
- $1,000 savings bond worth, all years
- Banks that cash savings bonds
2009 Savings Bond FAQ
How much is a $100 savings bond from 2009 worth after 30 years?
No one can state a 2039 value yet. Treasury's file ends May 2027, and years 20 to 30 keep the fixed rate unless Treasury announces a different rate or changes the terms before the bond turns 20 (31 CFR 351.35(b)(1)).
How much is a 20 year old $50 savings bond worth today?
A $50 Series EE bond issued November 2006, 20 years old in November 2026, is worth $51.04 in November 2026. A $50 bond from 2009 is worth at least $50 in 2029. See the 2006 Series EE savings bond page.
How long does it take for a $50.00 savings bond from 2009 to mature?
A $50 paper EE bond from 2009 reaches at least $50 on its 20-year date in 2029 and stops earning on its 30-year date in 2039. See when savings bonds mature.
Is it worth keeping a 2009 EE bond after 20 years?
A 2009 EE bond keeps earning interest after 20 years, until 2039. The choice is the owner's; see when to cash savings bonds.
Do 2009 savings bonds ever expire?
No: savings bonds never expire and there is no deadline to cash them (Executive Order 13968, 85 FR 83745). A 2009 bond stops earning in 2039.
How much is a $50 savings bond from 1999 worth today?
A $50 Series EE bond issued in 1999 is worth $62.16 to $63.12 in November 2026 and earns until 2029. See the 1999 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.