A $100 Series EE savings bond issued in 2010 is worth $55.08 to $62.96 in November 2026, and a $50 bond $27.54 to $31.48, by issue month. Every 2010 bond is below face value (the amount printed on it): a paper EE bond cost half of face and reaches at least face only in 2030.
Values come from Treasury's Savings Bonds Value Files and change on the 1st of each month. All 2010 bonds keep earning interest until 2040,.
Values for November 2026
How Much Is a Savings Bond From 2010 Worth in November 2026?
A 2010 paper Series EE bond is worth $27.54 (a $50 bond issued December 2010) to $6,296.00 (a $10,000 bond issued May 2010) in November 2026. The chart shows the redemption value (what Treasury pays you) for 12 issue months and 8 face values.
A $100 paper bond cost $50. The rules for Series EE savings bonds issued May 2005 and later give each bond one fixed rate for life, so the issue month sets its value. Italic values are below face until 2030.
Table 1: 2010 Series EE savings bond value chart 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 1.20% from November 1, 2009 (January to April 2010 issues) | |||||||||||
| January 2010 | $30.64 | $45.96 | $61.28 | $122.56 | $306.40 | $612.80 | $3,064.00 | $6,128.00 | 1.20% | Jan 1, 2030 (at least face) | Jan 1, 2040 |
| February 2010 | $30.62 | $45.93 | $61.24 | $122.48 | $306.20 | $612.40 | $3,062.00 | $6,124.00 | 1.20% | Feb 1, 2030 (at least face) | Feb 1, 2040 |
| March 2010 | $30.58 | $45.87 | $61.16 | $122.32 | $305.80 | $611.60 | $3,058.00 | $6,116.00 | 1.20% | Mar 1, 2030 (at least face) | Mar 1, 2040 |
| April 2010 | $30.56 | $45.84 | $61.12 | $122.24 | $305.60 | $611.20 | $3,056.00 | $6,112.00 | 1.20% | Apr 1, 2030 (at least face) | Apr 1, 2040 |
| Rate 1.40% from May 1, 2010 | |||||||||||
| May 2010 | $31.48 | $47.22 | $62.96 | $125.92 | $314.80 | $629.60 | $3,148.00 | $6,296.00 | 1.40% | May 1, 2030 (at least face) | May 1, 2040 |
| June 2010 | $31.44 | $47.16 | $62.88 | $125.76 | $314.40 | $628.80 | $3,144.00 | $6,288.00 | 1.40% | Jun 1, 2030 (at least face) | Jun 1, 2040 |
| July 2010 | $31.40 | $47.10 | $62.80 | $125.60 | $314.00 | $628.00 | $3,140.00 | $6,280.00 | 1.40% | Jul 1, 2030 (at least face) | Jul 1, 2040 |
| August 2010 | $31.36 | $47.04 | $62.72 | $125.44 | $313.60 | $627.20 | $3,136.00 | $6,272.00 | 1.40% | Aug 1, 2030 (at least face) | Aug 1, 2040 |
| September 2010 | $31.34 | $47.01 | $62.68 | $125.36 | $313.40 | $626.80 | $3,134.00 | $6,268.00 | 1.40% | Sep 1, 2030 (at least face) | Sep 1, 2040 |
| October 2010 | $31.30 | $46.95 | $62.60 | $125.20 | $313.00 | $626.00 | $3,130.00 | $6,260.00 | 1.40% | Oct 1, 2030 (at least face) | Oct 1, 2040 |
| Rate 0.60% from November 1, 2010 | |||||||||||
| November 2010 | $27.56 | $41.34 | $55.12 | $110.24 | $275.60 | $551.20 | $2,756.00 | $5,512.00 | 0.60% | Nov 1, 2030 (at least face) | Nov 1, 2040 |
| December 2010 | $27.54 | $41.31 | $55.08 | $110.16 | $275.40 | $550.80 | $2,754.00 | $5,508.00 | 0.60% | Dec 1, 2030 (at least face) | Dec 1, 2040 |
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 2010 Is Worth
A $50 savings bond from 2010 is worth $30.56 to $30.64 (January to April issues), $31.30 to $31.48 (May to October) or $27.54 to $27.56 (November and December) in November 2026. A $100 bond is worth $61.12 to $61.28, $62.60 to $62.96 or $55.08 to $55.12, and a $1,000 bond ten times that.
The Three Fixed Rates Behind 2010 Values
Every 2010 EE bond earns the fixed rate set for its 6-month issue period: 1.20% (November 1, 2009), 1.40% (May 1, 2010) or 0.60% (November 1, 2010). This applies to EE bonds issued from May 1, 2005 (31 CFR 351.34; 70 FR 17288).
A May 2010 $100 bond ($62.96) is worth $1.84 more than an April one ($61.12), so May, not January, is the top 2010 issue month. Interest accrues monthly and compounds semiannually. The 1.20% rate also covers December 2009 bonds ($61.36 per $100).
Table 2: The three fixed rates of 2010 EE bonds
| Issue months | Fixed rate (announced) | $100 bond, November 2026 | Reaches at least $100 | Interest stops |
|---|---|---|---|---|
| January to April 2010 | 1.20% (November 1, 2009) | $61.12 to $61.28 | January to April 2030 | January to April 2040 |
| May to October 2010 | 1.40% (May 1, 2010) | $62.60 to $62.96 | May to October 2030 | May to October 2040 |
| November and December 2010 | 0.60% (November 1, 2010) | $55.08 to $55.12 | November and December 2030 | November and December 2040 |
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.
See savings bond interest rates by issue date for every fixed rate Treasury announced.
Why a November 2010 Bond Is Worth Less Than an October 2010 Bond
A $100 bond issued November 2010 is worth $55.12 in November 2026, $7.48 less than one issued a month earlier ($62.60), because the fixed rate fell from 1.40% to 0.60% on November 1, 2010. It is the second-largest drop between consecutive issue months from May 2005 to December 2011 (largest: April to May 2008, $22.24).
The 0.60% rate is the lowest paper-era fixed rate, shared only with the November 2011 rate period. A November or December 2010 bond ($55.12 and $55.08 per $100) is worth less than any paper EE bond issued from January 1980 to October 2010.
Why Every 2010 Savings Bond Is Worth Less Than Face Value
Every 2010 bond is worth less than face value because a paper EE bond cost half of face and none of the three 2010 rates (1.20%, 1.40%, 0.60%) doubles that price in 20 years. All 12 issue months of 2010 are below face in November 2026.
Table 3: 2010 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 2010 | $61.28 | $11.28 | $38.72 | January 1, 2030 |
| February 2010 | $61.24 | $11.24 | $38.76 | February 1, 2030 |
| March 2010 | $61.16 | $11.16 | $38.84 | March 1, 2030 |
| April 2010 | $61.12 | $11.12 | $38.88 | April 1, 2030 |
| May 2010 | $62.96 | $12.96 | $37.04 | May 1, 2030 |
| June 2010 | $62.88 | $12.88 | $37.12 | June 1, 2030 |
| July 2010 | $62.80 | $12.80 | $37.20 | July 1, 2030 |
| August 2010 | $62.72 | $12.72 | $37.28 | August 1, 2030 |
| September 2010 | $62.68 | $12.68 | $37.32 | September 1, 2030 |
| October 2010 | $62.60 | $12.60 | $37.40 | October 1, 2030 |
| November 2010 | $55.12 | $5.12 | $44.88 | November 1, 2030 |
| December 2010 | $55.08 | $5.08 | $44.92 | December 1, 2030 |
Table note: for another face value, multiply the $100 figures by the face value divided by 100. A $100 paper EE bond cost $50. 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)).
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 2010 Bond Reaches Face Value
A paper EE bond issued in 2010 is worth at least face value on its 20-year date, January 1 to December 1, 2030, the 1st of its issue month (31 CFR 351.35(f)(1)).
The guarantee is at least face, not double face; a one-time adjustment applies if the rate has not doubled the price. No 2030 value is published yet; see when savings bonds mature.
Interest Earned So Far Versus the Step to Face
For a November or December 2010 bond, the step to face at 20 years is almost nine times all interest earned since 2010: $5.12 and $5.08 per $100 earned, against gaps of $44.88 and $44.92. January to April bonds earned $11.12 to $11.28; May to October bonds $12.60 to $12.96.
How 2010 Values Change Month by Month Through May 2027
Every 2010 bond still earns, so its value rises or holds on the 1st of each month until final maturity, January to December 2040.
From November 2026 to May 2027, January to October 2010 bonds rise every month; November 2010 holds in January and April 2027, December 2010 in February and May 2027. No value falls.
In six months a $100 bond gains $0.36 (January to April issues), $0.44 (May to October) or $0.16 (November and December).
Treasury may change the rate or the way the bond earns interest for years 20 to 30 but must announce it before the bond is 20; no such announcement was found as of November 11, 2026 (TreasuryDirect).
Table 4: Six 2010 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 2010 | $61.28 | $61.36 | $61.40 | $61.48 | $61.52 | $61.60 | $61.64 |
| April 2010 | $61.12 | $61.16 | $61.24 | $61.28 | $61.36 | $61.40 | $61.48 |
| May 2010 | $62.96 | $63.04 | $63.12 | $63.16 | $63.24 | $63.32 | $63.40 |
| October 2010 | $62.60 | $62.68 | $62.72 | $62.80 | $62.88 | $62.96 | $63.04 |
| November 2010 | $55.12 | $55.16 | $55.16 | $55.20 | $55.24 | $55.24 | $55.28 |
| December 2010 | $55.08 | $55.12 | $55.16 | $55.16 | $55.20 | $55.24 | $55.24 |
Future months are Treasury's scheduled values; Treasury has not released later months yet. A value that repeats from one month to the next holds.
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 2010 Savings Bond
Treasury prices a 2010 EE bond by face value and issue month, not serial number. The free savings bond calculator and our savings bond calculator, built on Treasury's published value files, use both.
- Check the series: EE, not I.
- Read the issue date on a paper savings bond (month and year).
- Read the face value.
- Find the row and column in Table 1.
- Check the value month: November 2026.
Treasury's printed redemption tables ended (last updated November 3, 2022), so no current PDF chart exists. A paper bond cost half of face (31 CFR 351.40), so a price-equals-face estimate misses.
Cashing a 2010 Savings Bond and Reporting Its Interest
A 2010 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 only above $1,000 in total. One 2010 $1,000 bond ($550.80 to $629.60) needs none; two always do (at least $1,101.60), as does any $5,000 bond ($2,754.00 to $3,148.00).
Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150; as of November 11, 2026, TreasuryDirect says three months or longer. You can cash by mail with FS Form 1522.
Tax on 2010 Bond Interest and the Education Exclusion
Interest on a 2010 bond is federally taxable in the year you cash it or in 2040, 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: $5.08 on a $100 December 2010 bond cashed in November 2026. State and local income tax does not apply (31 U.S.C. 3124(a)). Form 1099-INT for savings bonds reports $10 or more.
The education exclusion (IRC 135) needs an owner 24 or older before issue; the 2026 phase-out is $101,800 to $116,800 (single), $152,650 to $182,650 (joint) (Rev. Proc. 2025-32). See the education savings bond program and Form 8815.
Electronic 2010 EE Bonds, Patriot Bonds, Payroll Bonds and Paper I Bonds
A 2010 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.
A Patriot Bond is a paper EE bond valued as in Table 1; see Patriot Bonds (Series EE, 2001 to 2011).
Paper EE through payroll savings ended October 1, 2010 for federal employees and January 1, 2011 for others (31 CFR 351.47). Paper I bonds were also sold with tax refunds through 2024; see Series I savings bonds.
Lost, Found or Inherited 2010 Bonds
A lost 2010 bond is claimed with FS Form 1048 (revised March 2026); the serial number is mandatory only from 2046, 6 years after final maturity (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 beneficiary becomes owner, otherwise the estate (31 CFR 353.70(b)(1), (c)(1)); see savings bonds after death, or a deceased owner's TreasuryDirect account.
Other Issue Years and Face Values
In November 2026 a $50 bond from 2009 is worth $28.24 to $31.48, one from 2011 $27.38 to $29.62.
- 2009 Series EE savings bond value
- 2011 Series EE savings bond value, the last paper EE year
- 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
- $5,000 savings bond worth, all years, including after 30 years
- Banks that cash savings bonds
2010 Savings Bond FAQ
How much is a $100 or $5,000 savings bond from 2010 worth after 30 years?
No one can state a 2040 value yet: Treasury's file ends May 2027, and Treasury may change the rate or the way the bond earns interest for years 20 to 30 but must announce it before the bond is 20 (31 CFR 351.35(b)(1)). Now a $100 bond is worth $55.08 to $62.96, a $5,000 bond $2,754.00 to $3,148.00.
How much will a $1,000 savings bond from 2010 be worth in 2030?
A $1,000 paper EE bond from 2010 is worth at least $1,000 on its 20-year date in 2030 (January 1 to December 1). In November 2026 it is worth $550.80 to $629.60.
How long does it take for a 2010 savings bond to mature?
A paper EE bond from 2010 reaches at least face on its 20-year date in 2030 and stops earning on its 30-year date in 2040. See when savings bonds mature.
Is it worth keeping two $50 savings bonds from 2010 until 2030?
Two $50 bonds from 2010 are worth $55.08 to $62.96 together in November 2026 and at least $100 in 2030, and keep earning until 2040. See when to cash savings bonds.
Do savings bonds from 2010 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 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.