How Much Is a $100 Savings Bond Worth? Values by Series and Issue Year

A $100 Series EE or Series E savings bond is worth $54.76 to $936.44 in November 2026, by series and issue month. Series EE runs from $54.76 to $334.80, Series E from $362.36 to $936.44. Treasury pays this redemption value, not the $100 face value.

The values come from Treasury's Savings Bonds Value Files for redemption month November 2026 and can change on the 1st of each month. Two tables list all 854 issue months.

Values for November 2026

How Much Is a $100 Series EE Savings Bond Worth Today?

A $100 Series EE savings bond is worth $54.76 to $334.80 in November 2026, by issue month from January 1980 to December 2011. A $100 paper EE bond cost $50, half of face value, and every one now beats that price; May to October 1980 issues lead at $334.80.

Can a savings bond be worth more than its face value? Yes: every $100 EE bond issued January 1980 to April 2007 is. Find your year and month in Table 1, or use our savings bond calculator, built on Treasury's published value files.

Table 1: What a $100 Series EE savings bond is worth in November 2026, by issue year (rows) and issue month (columns), in US dollars

* Below $100 until 20 years after issue (Table 2). † $128.64 from December 1, 2026.

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 a $100 bond are the file's $25-unit value times 4. Rules for each issue period: Series EE savings bonds.

Why Is My $100 Savings Bond Worth Less Than $100?

A $100 EE bond from May 2007 to December 2011 is worth less than $100 because paper EE bonds sold for half of face. They reach face only at original maturity, 20 years after issue. These 56 issue months are worth $54.76 to $96.44 in November 2026, never as low as the $50 they cost. Treasury guarantees at least face value at that date (31 CFR 351.35(f)(1)). The May 2007 bond, worth $96.44 now, is scheduled at $100.00 in May 2027.

Table 2: $100 EE bonds worth less than $100 in November 2026, and when each reaches $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 a $100 bond are the file's $25-unit value times 4.

Which $100 EE Bonds Have Stopped Earning Interest

Every $100 EE bond issued January 1980 through November 1996 has stopped earning interest and keeps its final value. Final maturity, the date interest stops, comes 30 years after issue (31 CFR 351.5). In November 2026:

• January 1980 to November 1996 issues: stopped, worth $123.56 to $334.80.
• December 1996 issues: earning until December 1, 2026, then fixed at $128.64.
• January to April 1997 issues: earning until January to April 2027.

Later issues stop in the year Table 1 shows; see when savings bonds stop earning interest.

Why $100 EE Bonds Issued a Month Apart Have Different Values

Two $100 EE bonds issued a month apart can differ by over $40 because each issue period has its own rules. April 1995 is worth $164.12 in November 2026, May 1995 $123.56.

The guaranteed minimum rate set three plateaus: $230.64 (March 1983 to October 1986 issues), $207.36 (November 1986 to February 1993) and $164.12 (March 1993 to April 1995).

A May 2003 bond is worth $117.56, a June 2003 bond $113.00: its face-value guarantee runs 20 years, not 17. April 2007 is worth $100.56, May 2007 $96.44, because the fixed rate set at issue fell from 3.60% (November 2006 to April 2007 issues) to 3.40% (May to October 2007).

$100 Patriot Bonds (2001 to 2011)

A $100 Patriot Bond is a paper Series EE bond with a "Patriot Bond" inscription, issued December 2001 to December 2011. The $100 Patriot Bond value equals a plain EE bond's of the same month: $54.76 to $121.00 in November 2026 across 121 issue months.

How Much Is a $100 Series E Savings Bond Worth?

A $100 Series E savings bond is worth $362.36 to $936.44 in November 2026, and that value no longer changes. A $100 E bond cost $75.00, 75% of face (31 CFR 316.2(b)).

The last issues, from June 1980, stopped earning interest in June 2010. Treasury pays an E bond "at any time after two months from issue date" (31 CFR 315.35(c)); no deadline applies.

Table 3 lists all 470 issue months; "n/a" marks months outside the May 1941 to June 1980 window.

Table 3: What a $100 Series E savings bond is worth in November 2026, by issue year and issue month, in US dollars (values are final)

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 a $100 bond are the file's $25-unit value times 4. Life: 40 years through November 1965 issues, 30 years from December 1965 (31 CFR 316.8(b)). Series E rules: Series E savings bonds.

The Most Valuable $100 E Bonds and the 1965 Drop

The most valuable $100 E bonds are the December 1964 and January 1965 issues, at $936.44 each in November 2026. Values fall through 1965 ($858.96 for February, $743.88 for June), and the largest one-month drop comes between November 1965 ($736.12) and December 1965 ($512.48).

That step follows the bond's life: 40 years through November 1965, 30 years after (31 CFR 316.8(b)). The top 30-year E is December 1970, at $560.04.

$100 War Bonds From 1941 to 1945

A $100 war bond, a Series E sold as a Defense or War Savings Bond from May 1941 to December 1945, is worth $362.36 to $469.12 in November 2026.

December 1941 to August 1945 issues are worth $377.40 to $453.32, like any $100 E of that month. For war bonds worth now, Treasury pays no collector premium.

How Much Did a $100 Savings Bond Cost, and Which Series Came in $100?

A $100 savings bond cost $50 as a paper Series EE bond, $75.00 as a Series E bond and $100 as a paper Series I bond. The bond adds interest to its price until final maturity, and Treasury pays that redemption value at cashing.

Series E, EE and I, Savings Notes, Series A to D, F, G and J and both retirement bonds came in $100.

Savings Notes (Freedom Shares, sold with E bonds 1967 to 1970) cost $81.00; A to D, F and J sold below face, G and the retirement bonds at face. Electronic bonds sell at face, from $25.

The table lists every savings bond series Treasury issued with a $100 face value.

Table 4: What a $100 savings bond cost, which series came in $100, and where it is cashed

Note 1: sold over the counter and through payroll. Paper I bonds also came with federal tax refunds from 2010 through 2024; whether any came in $100 is not established in a primary source.

Note 2: 31 CFR 321.7(a) lets banks pay Series A to D, while TreasuryDirect lists them as cashed by mail with FS Form 1522. Series H, HH and K had no $100 bond (Series HH came in $500 and up). All series: types of US savings bonds.

How to Find the Exact Value of Your $100 Savings Bond

Read the series and issue month on your $100 bond, then look up that month: Treasury prices a bond by series, face value and issue month, not serial number. Use these steps.

1. Read the series letter: E, EE or I.
2. Read the issue month; on a Series E bond it sits upper right, and the validation date does not count.
3. Find it in Table 1 (EE) or Table 3 (E).
4. Price paper I bonds and Savings Notes in Treasury's Savings Bond Calculator.
5. Check the value month: November 2026.

The issue date is the first day of the month of purchase; see how to read a paper savings bond.

A $100 bond is four $25 units, the unit Treasury's files price (31 CFR 351.16). Treasury's free Savings Bond Calculator also shows rates, year-to-date interest and the next accrual date.

What Happens to a $100 Bond's Value in the Coming Months

A $100 EE bond that still earns interest rises or holds on the 1st of each month; stopped EE bonds and all Series E bonds keep their value.

In Table 5, May 2007 reaches $100.00 in May 2027. Of 181 earning issue months, 19 hold at least once by May 2027. EE rates are set May 1 and November 1.

Table 5: Six $100 EE bonds, November 2026 to May 2027

Future months are Treasury's scheduled values in the current value files; rates for periods starting after April 2027 are not yet announced. 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 a $100 bond are the file's $25-unit value times 4.

Cashing a $100 Savings Bond and the Tax on Its Interest

A $100 E, EE or I bond is cashed at a bank or by mail with FS Form 1522, and its interest is taxed federally, not by states. Compare the routes in how to cash savings bonds.

Banks may cash paper bonds but need not; ID alone covers up to $1,000 (FS Publication 0022, revised October 2022).

FS Form 1522 (revised April 2026; the form, PDF, TreasuryDirect) needs a notary or certifying officer only above $1,000 per request. One $100 E or EE bond, at most $936.44, never reaches that. Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150.

Interest (value minus price) is free of state and local income tax (31 U.S.C. 3124(a)). It is federally taxed for the year of cashing or final maturity, whichever is first, unless reported yearly (26 U.S.C. 454(a)); a bond that reached final maturity in an earlier year belongs to that year.

Form 1099-INT, the interest statement, covers $10 or more. See are savings bonds taxable; a tax professional advises on returns.

When to Cash and Where

A stopped $100 bond gains nothing by waiting, and you can cash it at a bank or by mail. No savings bond expires (Executive Order 13968).

Policies differ among banks that cash savings bonds. For Series F, G or J, cash it by mail with FS Form 1522. A relative's bonds? Start with found old savings bonds.

Values for Other Face Values

Other face values and the rates behind them are listed below.

• How much a $25 savings bond is worth: Series E only, since paper EE never came in $25
• How much a $50 savings bond is worth
• How much a $75 savings bond is worth
• How much a $200 savings bond is worth
• How much a $500 savings bond is worth
• How much a $1,000 savings bond is worth
• Savings bond interest rates by issue date: the rate each issue month earns

Our calculator prices paper EE and E bonds in every other face value.

$100 Savings Bond FAQ

How much would a $100 savings bond from 1985 be worth today?

A $100 Series EE bond from 1985 is worth $230.64 in November 2026, in every issue month; it stopped earning in 2015. See 1985 Series EE savings bond value.

How much is a $100 savings bond worth after 30 years?

A $100 EE bond that has reached 30 years is worth $123.56 to $334.80 in November 2026, its final value. These are January 1980 to November 1996 issues; see when savings bonds mature.

How much is a $100 savings bond worth after 20 years?

A $100 EE bond issued June 2003 to November 2006, now past 20 years, is worth $101.88 to $113.00 in November 2026. The guarantee is face value at original maturity, not double the face.

How much is a $100 savings bond from 2006 worth today?

A 2006 $100 EE bond is worth $101.80 to $106.00 in November 2026, May 2006 the most, and earns interest until 2036.

Can I cash in a $100 savings bond early?

Every paper $100 EE, E or I bond can be cashed now. Each is past its minimum holding period (31 CFR 351.6, 359.6). No paper EE is under 5 years, so the 3-month penalty cannot apply; a tax-refund paper I bond under 5 years loses 3 months of interest. These rules set when you can cash savings bonds.

What interest rate does a $100 savings bond earn?

A $100 EE bond issued May 1997 to April 2005 earns 4.02% for 6-month periods starting on or after November 1, 2026. January 1980 to November 1996 EE and all E bonds earn nothing; December 1996 to April 1997 issues earn until they reach 30 years; May 2005 and later issues keep their fixed rate; see savings bond interest rates by issue date.

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