Series F, G, J and K savings bonds are four paper series Treasury sold from May 1941 to April 1957, each with a 12-year maturity, and none earns interest today.
Series F and J pay face value (the amount printed on the bond). Series G and K pay face value plus one small final interest payment.
ClaimMyBonds is an independent private guide, not Treasury, and this page explains Treasury's rules for these four series in plain words. Only Treasury redeems these bonds, by mail with FS Form 1522. The form is free and Treasury charges no fee.
What Are Series F, G, J and K Savings Bonds?
Series F, G, J and K are retired US savings bond series sold alongside Series E: F and G from May 1941 to April 1952, then J and K from May 1952 to April 1957.
Treasury treats all four as matured. 31 CFR part 315 governs them, and section 315.35(b) and (d) sets what each pays.
F and G sales from 1941 to 1952 totaled $28,396 million (sales, not what remains outstanding), according to Treasury's 1991 history of the savings bond. The types of US savings bonds page compares every series, including these four. Table 1 sets the four series side by side.
Table 1: Series F, G, J and K at a glance
| Series F | Series G | Series J | Series K | |
|---|---|---|---|---|
| Issued | May 1941 to April 1952 | May 1941 to April 1952 | May 1952 to April 1957 | May 1952 to April 1957 |
| Price | 74% of face | Face | 72% of face | Face |
| Interest | Grew to face | Every 6 months by check | Grew to face | Every 6 months by check |
| Maturity | 12 years | 12 years | 12 years | 12 years |
| Earning now | No | No | No | No |
| Paid today | Face | Face + $1.25 per $100 | Face | Face + $6.90 per $500 |
| Where cashed | Treasury only, FS Form 1522 by mail | Treasury only, FS Form 1522 by mail | Treasury only, FS Form 1522 by mail | Treasury only, FS Form 1522 by mail |
| Unredeemed, September 30, 2026 | 9,092 | 5,519 | 1,767 | 96 |
Source: TreasuryDirect historical and retired bonds page (November 11, 2026); 31 CFR 315.35, 321.9(b); Fiscal Data, September 30, 2026.
Discount Bonds and Current-Income Bonds: How F and J Differ From G and K
The four series came in 2 types: F and J sold at a discount, at 74% and 72% of face, and grew to face value by the 12th year. G and K sold at face value and paid interest by Treasury check every six months.
- Discount bonds: Series F and J
- Current-income bonds: Series G and K
A G or K bond never grew past its face value. Only the last half-year of interest is paid together with the bond (see the section on why G and K pay more than face value). TreasuryDirect says the interest on both F and J "accrues and is paid when cashed".
Series F, G, J and K Terms: Issue Dates, Prices, Rates and Denominations
Each series had 5 fixed terms: an issue window, a price, a rate, a set of denominations and a 12-year maturity. Table 2 lists them. Dollar prices are our calculation from the percentage of face, and Treasury's list has no $5,000 Series G.
Table 2: Terms by series
| Series | Issued | Price | Rate | Denominations (price paid, our calculation) |
|---|---|---|---|---|
| F | May 1941 to April 1952 | 74% of face | 2.53% | $25 ($18.50), $50 ($37.00), $100 ($74.00), $500 ($370.00), $1,000 ($740.00), $5,000 ($3,700.00), $10,000 ($7,400.00) |
| G | May 1941 to April 1952 | Face | 2.50%, check every 6 months | $100, $500, $1,000, $10,000 |
| J | May 1952 to April 1957 | 72% of face | 2.76% | $25 ($18.00), $100 ($72.00), $500 ($360.00), $1,000 ($720.00), $5,000 ($3,600.00), $10,000 ($7,200.00), $100,000 ($72,000.00) |
| K | May 1952 to April 1957 | Face | 2.76%, check every 6 months | $500, $1,000, $5,000, $10,000, $100,000 |
Source: TreasuryDirect historical and retired bonds page; Treasury, History of the Savings Bond (1991), pp. 14, 35.
Series F Savings Bonds (May 1941 to April 1952)
A Series F savings bond is a discount bond sold from May 1941 to April 1952 at 74% of face, in 7 denominations from $25 to $10,000, reaching face value after 12 years.
Treasury's 1991 history gives its rate as 2.53%. A $100 F bond cost $74.00 (our calculation), and it pays its face value under 31 CFR 315.35(b).
Series G Savings Bonds (May 1941 to April 1952)
A Series G savings bond is a current-income bond sold at face value from May 1941 to April 1952 in $100, $500, $1,000 and $10,000 denominations, paying 2.50% by Treasury check every six months for 12 years.
It pays face plus a final $1.25 per $100 under 31 CFR 315.35(d). Treasury's list has no $5,000 G.
Series J Savings Bonds (May 1952 to April 1957)
A Series J savings bond is a discount bond sold from May 1952 to April 1957 at 72% of face, in denominations from $25 to $100,000, maturing in 12 years.
Treasury's 1991 history says "The J and K Bonds would yield 2.76 percent interest." A $100 J bond cost $72.00 (our calculation) and pays face. Treasury's list has no $50 J.
Series K Savings Bonds (May 1952 to April 1957)
A Series K savings bond is a current-income bond sold at face value from May 1952 to April 1957 in $500, $1,000, $5,000, $10,000 and $100,000 denominations, paying 2.76% by Treasury check every six months.
It pays face plus a final $6.90 per $500 under 31 CFR 315.35(d). Only 96 K bonds were unredeemed on September 30, 2026.
Do Series F, G, J and K Bonds Still Earn Interest? No, Each Matured After 12 Years
No: every Series F, G, J and K bond has stopped earning interest, because each matured 12 years after issue. The last F and G bonds matured in April 1964 and the last J and K bonds in April 1969 (our calculation from the issue dates).
TreasuryDirect lists Series A, B, C, D, E, F, G, H, J and K among the series that no longer earn interest. No deadline applies to cashing them: by law, savings bonds never expire (Executive Order 13968, 85 FR 83745). Table 3 gives the maturity months.
Table 3: When each series matured
| Series | Issue months | Maturity | Matured (our calculation) | Earning in November 2026 |
|---|---|---|---|---|
| F and G | May 1941 to April 1952 | 12 years | May 1953 to April 1964 | No |
| J and K | May 1952 to April 1957 | 12 years | May 1964 to April 1969 | No |
Matured = issue month plus 12 years. Source: TreasuryDirect historical and old-bonds pages (November 11, 2026).
Fiscal Data counts 16,474 unredeemed bonds out of 24,614,475 issued in the four series on September 30, 2026, about 0.067 percent.
By series, unredeemed and issued were F 9,092 of 5,624,339, G 5,519 of 17,260,002, J 1,767 of 793,354 and K 96 of 936,780. Our page on when savings bonds stop earning interest gives final maturity by series.
What Is a Series F, G, J or K Bond Worth Today?
A Series F or J bond is worth exactly its face value, a Series G bond pays face plus $1.25 per $100, and a Series K bond pays face plus $6.90 per $500.
Table 4 applies the rule in 31 CFR 315.35(b) and (d) to each denomination. These amounts have been fixed since maturity, so no redemption month applies.
Table 4: What each bond pays today (our calculation)
| Face | F | G | J | K | Value page |
|---|---|---|---|---|---|
| $25 | $25.00 | not issued | $25.00 | not issued | How much is a $25 savings bond worth |
| $50 | $50.00 | not issued | not issued | not issued | How much is a $50 savings bond worth |
| $100 | $100.00 | $101.25 | $100.00 | not issued | How much is a $100 savings bond worth |
| $500 | $500.00 | $506.25 | $500.00 | $506.90 | How much is a $500 savings bond worth |
| $1,000 | $1,000.00 | $1,012.50 | $1,000.00 | $1,013.80 | How much is a $1,000 savings bond worth |
| $5,000 | $5,000.00 | not in Treasury's list | $5,000.00 | $5,069.00 | How much is a $5,000 savings bond worth |
| $10,000 | $10,000.00 | $10,125.00 | $10,000.00 | $10,138.00 | How much is a $10,000 savings bond worth |
| $100,000 | not issued | not issued | $100,000.00 | $101,380.00 |
Method: G = face + $1.25 per $100; K = face + $6.90 per $500; F, J = face (our calculation from 31 CFR 315.35). Sources: 31 CFR 315.35 (eCFR, November 11, 2026); denominations, TreasuryDirect.
Treasury cashes a paper bond whole, never in part. A $1,000 Series G bond therefore pays $1,012.50 in one payment, and you cannot take part of it and keep the rest. The same applies to every F, G, J and K bond.
Why Series G and K Bonds Pay More Than Face Value
G and K were current-income bonds, so the last six months of interest are paid together with the face value. The rule reads: "For Series G bonds, the final interest paid with principal is $1.25 per $100" (31 CFR 315.35(d)).
The K rule uses the same wording at $6.90 per $500. Neither amount grows over time, because interest stopped at maturity. Both amounts equal one half-year of interest: 2.50% a year, halved, on $100 is $1.25, and 2.76% a year, halved, on $500 is $6.90 (our calculation).
How to Redeem Series F, G, J and K Bonds: FS Form 1522 by Mail
Redeem Series F, G, J and K bonds in 4 steps: get FS Form 1522, fill it out, certify your signature above $1,000, and mail it with the bonds to Treasury Retail Securities Services in Minneapolis.
The form is free from TreasuryDirect, and our guide to FS Form 1522 by mail goes through it item by item.
- Get FS Form 1522 (Revised April 2026) from TreasuryDirect.
- List each bond's issue date and serial number and enter your direct deposit details.
- Certify your signature if the bonds total more than $1,000, otherwise enclose an ID copy.
- Mail the form, the bonds and any legal evidence to the address below.
Treasury Retail Securities Services
P.O. Box 9150
Minneapolis, MN 55480-9150
Phone: 844-284-2676 (toll free), Monday to Friday, 8am to 6pm ET
Source: FS Form 1522 (Revised April 2026); TreasuryDirect Contact Us, as of November 11, 2026
If you are not the owner named on the bonds, add legal evidence of your right to cash them. Treasury does not return that evidence. No limit applies to the number of bonds you mail, and Treasury charges no fee.
Why a Bank Cannot Cash Series F, G, J or K Bonds
No. 31 CFR 321.9(b) says: "An agent is not authorized to redeem a security for cash or on redemption-exchange: ... (b) If it is a savings bond of Series F, G, H, J, K, or HH." Section 321.7(a) lists the series a bank may pay: A, B, C, D, E, EE, I and Savings Notes.
A bank may cash paper E, EE or I bonds at its option, never as a duty (FS Publication 0022, Revised October 2022). Our page on what banks cash savings bonds covers bank policies for those three series, checked bank by bank.
The $1,000 Signature Test for Series F, G, J and K Bonds
FS Form 1522 asks for a notary or certifying officer (an authorized official who verifies your identity) only when the bonds' current redemption value totals more than $1,000. At $1,000 or less, sign and enclose a copy of a driver's license, passport, state ID or military ID.
A $1,000 F or J bond needs only the ID copy, because it pays exactly $1,000. A $1,000 G or K bond pays more than $1,000, so expect to need certification when the total paid is over $1,000 (our calculation). Table 5 shows where the line falls.
Table 5: The $1,000 test (our calculation)
| Bonds cashed together | Total paid | FS Form 1522 needs |
|---|---|---|
| One $1,000 F | $1,000.00 | ID copy |
| One $1,000 J | $1,000.00 | ID copy |
| One $1,000 G | $1,012.50 | Expect notary or certifying officer |
| One $500 K | $506.90 | ID copy |
| Two $500 K (one FS Form 1522) | $1,013.80 | Expect notary or certifying officer |
| One $10,000 G | $10,125.00 | Notary or certifying officer (total clearly over $1,000); see savings bond signature certification |
Source: FS Form 1522 (Revised April 2026); 31 CFR 315.35. The form's wording does not say whether final interest counts toward the $1,000, so the G and K rows are our expectation, not a Treasury rule.
After You Mail the Bonds: Processing Time, Payment and Tax
Cashing paper bonds by mail takes three months or longer when you are named on the bonds and five months or longer when they are not in your name (TreasuryDirect, as of November 11, 2026).
Payment is by direct deposit only. Your bank's routing number has nine digits and begins with 0, 1, 2 or 3.
Interest on these bonds is subject to federal income tax but exempt from state and local income tax (31 U.S.C. 3124). For F and J, the interest is face minus price: $26 per $100 for F and $28 per $100 for J (our calculation).
These bonds reached final maturity decades ago, so the tax year in which that interest counts (IRC 454) is a question for a tax professional. Our page on federal tax on savings bond interest covers the rule for all series.
Series F, G, J and K Bonds After a Death, a Loss or a State Claim
A Series F, G, J or K bond left by someone who died can only be cashed, never reissued.
FS Form 5394 (Revised May 2026) pays paper Series A to D, E, F, G, H, HH, J and K by direct deposit only, and FS Form 4000 reissues only Series EE and I. Table 6 sorts the common cases.
Table 6: After a death, a loss or a state claim
| Situation | What happens | Owner page |
|---|---|---|
| Owner died | Cash only; a survivor adds a certified death certificate | Savings bonds after death |
| Estate not administered, $100,000 or less | One voluntary representative files FS Form 5336 (Revised April 2026); the person entitled cashes with FS Form 1522 | FS Form 5336 |
| Closed estate or state small-estate procedure | FS Form 5394 (Revised May 2026); certifying officer, notary not accepted; payment only | FS Form 5394 |
| Lost, stolen or destroyed | FS Form 1048 (Revised March 2026); notary or certifying officer | FS Form 1048 |
| No serial number on record | Six-year rule applies | Savings bond serial number |
| Unsure whether a relative held bonds | Treasury Hunt has been gone since September 30, 2025 | Savings bond lookup |
| A state holds the paper bonds | Treasury may, at its discretion, pay a State that holds a matured bond and has a court judgment giving it title (31 CFR 315.88) | Savings bonds and state unclaimed property offices |
Source: TreasuryDirect death-of-owner pages; FS Forms 5336, 5394, 1048; 31 CFR 315.29, 315.88.
Every Series F, G, J and K bond is far more than six years past maturity. A lost-bond claim therefore needs the bond's serial number (31 CFR 315.29(c)), because part 315 governs these series. Treasury Hunt, the discontinued Treasury search tool, has not been available since September 30, 2025.
Series F, G, J and K and the Other Savings Bond Series
F, G, J and K are four of 13 lettered series, plus Savings Notes. Sales of all four series ended by April 1957. Series A to D, E, H and the Savings Notes no longer earn interest, and HH joined them in August 2024.
Series E: Sold Alongside F and G From May 1941
Series E savings bonds went on sale May 1, 1941, the same month as F and G, at 75% of face. An E bond has a frozen value in Treasury's value files and can be cashed at a bank or by mail.
Series H: Sold Alongside J and K From 1952
Series H savings bonds (June 1952 to December 1979) followed G as the current-income bond, a month after J and K began. A Series H bond pays face and is cashed by mail only. The 1952 Series E savings bond value page covers the year J, K and H began.
Series A to D: The Baby Bonds Before F and G
Series A, B, C and D, the "baby bonds", were sold from March 1935 to April 1941 at 75% of face with a 10-year maturity. They pay face by mail. See Series A, B, C and D savings bonds for the series before F and G.
Series F, G, J and K FAQ
Can You Still Buy Series G Savings Bonds?
No. Series F and G sales ended in April 1952 and J and K sales in April 1957. Treasury sells only Series EE and I, electronically (paper sales ended January 1, 2012; 76 FR 66855). Paper bonds can no longer be bought at all.
Is There a Calculator for Series F, G, J and K Bonds?
No calculator is needed, because Table 4 gives every payment. Our savings bond calculator, built on Treasury's published value files, prices Series E and EE bonds. It does not price F, G, J or K bonds, because their payment is fixed by rule.
Can Series F, G, J or K Bonds Be Converted to Electronic Bonds?
No. SmartExchange converts only paper Series E, EE and I bonds of $25 or more (31 CFR 363.161), so F, G, J and K stay paper. See how to convert paper savings bonds to electronic for E, EE and I bonds.
How Do You Check Whether an Old Savings Bond Was Already Cashed?
If you are the owner or co-owner, ask your bank first, then write to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150, listing the serial numbers and signing the letter. Do not send the bonds. A bond with no claim within 10 years of its recorded redemption is presumed properly paid (31 CFR 315.29(b)).
Are Series F and G Bonds War Bonds?
In Treasury's history, the "War Bond" name belongs to Series E (1942 to 1945). F and G were sold in the same years but are cashed by mail only, at face (F) or face plus final interest (G). See war bonds for Series E, 1942 to 1945.
Is a "Series F" Fund Share Class a Savings Bond?
No. A "Series F" share class of an investment fund is not a US savings bond and is outside this guide. No savings bond rule on this page applies to it. This guide does not cover investment funds of any kind.
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.