A $100 Series EE savings bond issued in 2011 is worth $54.76 to $59.24 in November 2026, and a $50 bond $27.38 to $29.62, by issue month.
Every 2011 bond is below face value (the amount printed on it) because a paper EE bond cost half of face and reaches at least face only on its 20-year date in 2031.
2011 is the last year of paper Series EE bonds, and every 2011 bond keeps earning interest until 2041. 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 2011 Series EE Savings Bond Worth in November 2026?
A 2011 paper Series EE bond is worth $27.38 (a $50 bond issued December 2011) to $5,924.00 (a $10,000 bond issued May 2011) in November 2026. A $100 bond cost $50. Table 1 gives the redemption value (what Treasury pays if you cash the bond) for each issue month and face value.
The rules of Series EE savings bonds issued May 2005 and later give each bond one fixed rate for life, which is why the table splits into three groups.
Table 1: 2011 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 face (20 years) | Interest stops |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rate 0.60% (January to April 2011 issues) | |||||||||||
| January 2011 | $27.54 | $41.31 | $55.08 | $110.16 | $275.40 | $550.80 | $2,754.00 | $5,508.00 | 0.60% | Jan 1, 2031 | Jan 1, 2041 |
| February 2011 | $27.52 | $41.28 | $55.04 | $110.08 | $275.20 | $550.40 | $2,752.00 | $5,504.00 | 0.60% | Feb 1, 2031 | Feb 1, 2041 |
| March 2011 | $27.50 | $41.25 | $55.00 | $110.00 | $275.00 | $550.00 | $2,750.00 | $5,500.00 | 0.60% | Mar 1, 2031 | Mar 1, 2041 |
| April 2011 | $27.50 | $41.25 | $55.00 | $110.00 | $275.00 | $550.00 | $2,750.00 | $5,500.00 | 0.60% | Apr 1, 2031 | Apr 1, 2041 |
| Rate 1.10% from May 1, 2011 | |||||||||||
| May 2011 | $29.62 | $44.43 | $59.24 | $118.48 | $296.20 | $592.40 | $2,962.00 | $5,924.00 | 1.10% | May 1, 2031 | May 1, 2041 |
| June 2011 | $29.60 | $44.40 | $59.20 | $118.40 | $296.00 | $592.00 | $2,960.00 | $5,920.00 | 1.10% | Jun 1, 2031 | Jun 1, 2041 |
| July 2011 | $29.56 | $44.34 | $59.12 | $118.24 | $295.60 | $591.20 | $2,956.00 | $5,912.00 | 1.10% | Jul 1, 2031 | Jul 1, 2041 |
| August 2011 | $29.54 | $44.31 | $59.08 | $118.16 | $295.40 | $590.80 | $2,954.00 | $5,908.00 | 1.10% | Aug 1, 2031 | Aug 1, 2041 |
| September 2011 | $29.52 | $44.28 | $59.04 | $118.08 | $295.20 | $590.40 | $2,952.00 | $5,904.00 | 1.10% | Sep 1, 2031 | Sep 1, 2041 |
| October 2011 | $29.48 | $44.22 | $58.96 | $117.92 | $294.80 | $589.60 | $2,948.00 | $5,896.00 | 1.10% | Oct 1, 2031 | Oct 1, 2041 |
| Rate 0.60% from November 1, 2011 | |||||||||||
| November 2011 | $27.40 | $41.10 | $54.80 | $109.60 | $274.00 | $548.00 | $2,740.00 | $5,480.00 | 0.60% | Nov 1, 2031 | Nov 1, 2041 |
| December 2011 (last paper EE issue month) | $27.38 | $41.07 | $54.76 | $109.52 | $273.80 | $547.60 | $2,738.00 | $5,476.00 | 0.60% | Dec 1, 2031 | Dec 1, 2041 |
Italic values are below face until the 20-year date in 2031. Values are shown for every paper EE face value in 31 CFR 351.40; the face value is printed on your bond. Patriot Bonds of the same month have the same values.
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 2011 Is Worth
A $100 bond from 2011 is worth $55.00 to $55.08 (January to April issues), $58.96 to $59.24 (May to October) or $54.76 to $54.80 (November and December) in November 2026. A $50 bond is worth $27.38 to $29.62 and a $1,000 bond $547.60 to $592.40.
The Two Fixed Rates Behind 2011 Values
Every 2011 EE bond earns one fixed rate, set for its issue period: 0.60% for January to April, 1.10% for May to October and 0.60% for November and December.
Treasury announced them on November 1, 2010, May 1, 2011 and November 1, 2011 (TreasuryDirect rate table); the fixed-rate-for-life rule is in 70 FR 17288 and 31 CFR 351.34, 351.35.
The savings bond interest rates by issue date list every fixed rate. A May 2011 $100 bond is worth $4.24 more than an April 2011 bond ($59.24 against $55.00) in November 2026.
Table 2: The fixed rates of 2011 EE bonds
| Issue months | Fixed rate (announced) | $100 bond, November 2026 | Reaches at least $100 | Interest stops |
|---|---|---|---|---|
| January to April 2011 | 0.60% (November 1, 2010) | $55.00 to $55.08 | January to April 2031 | January to April 2041 |
| May to October 2011 | 1.10% (May 1, 2011) | $58.96 to $59.24 | May to October 2031 | May to October 2041 |
| November and December 2011 | 0.60% (November 1, 2011) | $54.76 to $54.80 | November and December 2031 | November and December 2041 |
Each fixed rate applies to the 6 issue months after its announcement; the November 2011 rate covers November 2011 to April 2012, but paper sales ended with December 2011.
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.
December 2011: The Last Paper EE Issue Month
December 2011 is the last issue month of paper Series EE bonds, because Treasury ended paper sales on January 1, 2012 (31 CFR 351.40). A December 2011 $100 bond is worth $54.76 in November 2026, the lowest of all 384 paper EE issue months (January 1980 to December 2011).
The five lowest are all 2011 months. Treasury's final rule ending paper sales was published in 76 FR 66855 on October 28, 2011, and December 2011 is also the last Patriot Bond month.
Why Every 2011 Savings Bond Is Worth Less Than Face Value
Every 2011 bond is worth less than face value because a paper EE bond cost half of face and neither 2011 rate (0.60% or 1.10%) doubles that price before the 20-year date.
All 12 issue months of 2011 are below face in November 2026, the last 12 of the 56 below-face issue months (May 2007 to December 2011). Each bond is still worth more than it cost. Table 3 shows the interest earned and the gap to face for a $100 bond.
Table 3: 2011 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 2011 | $55.08 | $5.08 | $44.92 | January 1, 2031 |
| February 2011 | $55.04 | $5.04 | $44.96 | February 1, 2031 |
| March 2011 | $55.00 | $5.00 | $45.00 | March 1, 2031 |
| April 2011 | $55.00 | $5.00 | $45.00 | April 1, 2031 |
| May 2011 | $59.24 | $9.24 | $40.76 | May 1, 2031 |
| June 2011 | $59.20 | $9.20 | $40.80 | June 1, 2031 |
| July 2011 | $59.12 | $9.12 | $40.88 | July 1, 2031 |
| August 2011 | $59.08 | $9.08 | $40.92 | August 1, 2031 |
| September 2011 | $59.04 | $9.04 | $40.96 | September 1, 2031 |
| October 2011 | $58.96 | $8.96 | $41.04 | October 1, 2031 |
| November 2011 | $54.80 | $4.80 | $45.20 | November 1, 2031 |
| December 2011 | $54.76 | $4.76 | $45.24 | December 1, 2031 |
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)). A $100 paper EE bond cost $50. 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 2011 Bond Reaches Face Value
A paper EE bond issued in 2011 is worth at least its face value on its 20-year date, January 1 to December 1, 2031 (31 CFR 351.35(f)(1)).
If the rate has not doubled the price by then, a one-time adjustment lifts the value to face. December 1, 2031 is the last such step for any paper EE bond.
A bond cashed earlier pays its value for that month, not face. See when savings bonds mature for original and final maturity.
Interest Earned So Far Versus the Step to Face
For every 2011 bond the step to face at 20 years is at least 4.4 times the interest earned since 2011: $4.76 to $9.24 earned per $100 by November 2026, against a gap of $40.76 to $45.24.
How 2011 Values Change Month by Month Through May 2027
Every 2011 bond still earns interest, so its value rises or holds on the 1st of each month until final maturity, January to December 2041. Six issue months (January to April, November and December, all 0.60%) hold for one month twice from November 2026 to May 2027, and the 1.10% months never hold.
Treasury can change the rate for years 20 to 30 only by announcing it before the bond turns 20 (31 CFR 351.35(b)(1)). TreasuryDirect's EE bond rate page shows no such announcement for 2011 bonds (page checked November 11, 2026).
Table 4: Six 2011 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 2011 | $55.08 | $55.08 | $55.12 | $55.16 | $55.16 | $55.20 | $55.24 |
| April 2011 | $55.00 | $55.00 | $55.04 | $55.08 | $55.08 | $55.12 | $55.16 |
| May 2011 | $59.24 | $59.28 | $59.36 | $59.40 | $59.44 | $59.52 | $59.56 |
| October 2011 | $58.96 | $59.04 | $59.08 | $59.12 | $59.20 | $59.24 | $59.28 |
| November 2011 | $54.80 | $54.84 | $54.84 | $54.88 | $54.92 | $54.92 | $54.96 |
| December 2011 | $54.76 | $54.80 | $54.84 | $54.84 | $54.88 | $54.92 | $54.92 |
Future months are Treasury's scheduled values in the current value files; Treasury's files do not yet list values after May 2027. A repeated value means the bond holds for that 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 to Find the Exact Value of Your 2011 Savings Bond
Treasury prices a 2011 EE bond by 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 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.
Treasury's calculator is free and checks no ownership. The printed Accrual Savings Bonds Redemption Tables were discontinued in 2022, so a value chart PDF shows old months.
Cashing a 2011 Savings Bond and Reporting Its Interest
A 2011 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 are not required to (FS Publication 0022, Rev. October 2022). Mail the form to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150.
FS Form 1522 (revised April 2026; the form, PDF, TreasuryDirect) needs a notary or certifying officer (an authorized official who confirms your signature) only when the bonds' redemption value totals more than $1,000.
One 2011 $1,000 bond ($547.60 to $592.40 in November 2026) needs none. Two of them do, as does any 2011 $5,000 bond ($2,738.00 to $2,962.00). Mail requests take 3 months or longer as of November 11, 2026; you can cash by mail with FS Form 1522.
Tax on 2011 Bond Interest and the Education Exclusion
Interest on a 2011 bond is federally taxable in the year you cash or otherwise dispose of it, or in 2041, its final-maturity year, whichever comes first, unless the owner reported it yearly (26 CFR 1.454-1(a)(1); IRS Publication 550).
The interest is value minus price, $4.76 to $9.24 on a $100 bond cashed in November 2026. 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.
Treasury reports interest of $10 or more on Form 1099-INT for savings bonds, box 3.
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.
The 2026 phase-out is $101,800 to $116,800 (single) and $152,650 to $182,650 (joint) (Rev. Proc. 2025-32, sec. 4.17). See the education savings bond program and Form 8815.
Electronic 2011 EE Bonds, Patriot Bonds and Paper I Bonds
A 2011 savings bond can be a paper EE bond (this page), an electronic EE bond in TreasuryDirect, a paper Series I bond or an electronic 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 (ID.me login only since October 28, 2026). See electronic savings bonds and TreasuryDirect accounts.
- Patriot Bonds are paper EE bonds (December 2001 to December 2011) with the values in Table 1, so a Patriot Bond calculator gives the EE price for that month. See Patriot Bonds (Series EE, 2001 to 2011).
- Paper I bonds sold at face over the counter until December 2011 and with federal tax refunds (IRS Form 8888) from 2010 through 2024. See Series I savings bonds.
Lost, Found or Inherited 2011 Bonds
A lost 2011 bond is claimed with FS Form 1048 (revised March 2026). The serial number is mandatory only six years or more after final maturity (31 CFR 353.29(c)), which for 2011 bonds starts in 2047. 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 (31 CFR 353.70(b)(1), (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.
- 2010 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
- $10,000 savings bond worth, all years
- Banks that cash savings bonds
2011 Savings Bond FAQ
How much is a $100 savings bond from 2011 worth after 30 years?
No one can state a 2041 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)); TreasuryDirect's rate page shows no such announcement (checked November 11, 2026).
What is a 2011 savings bond worth after 20 years?
A paper EE bond from 2011 is worth at least its face value on its 20-year date, January 1 to December 1, 2031.
How long does it take for a 2011 savings bond to mature?
A 2011 EE bond reaches original maturity, at least face, 20 years after issue in 2031, and final maturity 30 years after issue in 2041. See when savings bonds mature.
Should I cash in a 2011 EE bond now?
A 2011 EE bond can be cashed now at its November 2026 value, which is below face. Held to 2031 it is worth at least face. See when to cash savings bonds.
Do 2011 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 would a savings bond be worth from 2008?
A $100 Series EE bond issued in 2008 is worth $63.00 to $87.64 in November 2026, and at least face in 2028. See the 2008 Series EE savings bond value.
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.