A $10,000 Series EE or Series E savings bond is worth $5,476.00 to $93,644.00 in November 2026, by series and issue month: EE (January 1980 to December 2011) $5,476.00 to $33,480.00, E (May 1952 to June 1980) $42,668.00 to $93,644.00. A $10,000 Series H, HH, F or J bond pays its $10,000 face value.
These redemption values (what Treasury pays on cashing) come from Treasury's Savings Bonds Value Files and change monthly.
Values for November 2026
How Much Is a $10,000 Series EE Savings Bond Worth Today?
A $10,000 Series EE savings bond is worth $5,476.00 to $33,480.00 in November 2026, by issue month from January 1980 to December 2011. A paper EE bond sold for half of face value (the amount printed on the bond), so it cost $5,000. May to October 1980 issues lead.
Table 1 gives each issue year's range; for one issue month, use our savings bond calculator, built on Treasury's published value files.
Table 1: What a $10,000 Series EE savings bond is worth in November 2026, by issue year (lowest to highest issue month)
| Issue year | Value of a $10,000 bond, November 2026 | Earning interest? | Interest stops (final maturity) | Note |
|---|---|---|---|---|
| 1980 | $30,688.00 to $33,480.00 | No | Jan 2010 to Dec 2010 | highest (May to October 1980): $33,480.00 |
| 1981 | $29,380.00 to $30,688.00 | No | Jan 2011 to Dec 2011 | |
| 1982 | $28,032.00 to $29,380.00 | No | Jan 2012 to Dec 2012 | |
| 1983 | $23,064.00 to $28,032.00 | No | Jan 2013 to Dec 2013 | |
| 1984 | $23,064.00 (every month) | No | Jan 2014 to Dec 2014 | |
| 1985 | $23,064.00 (every month) | No | Jan 2015 to Dec 2015 | |
| 1986 | $20,736.00 to $23,064.00 | No | Jan 2016 to Dec 2016 | |
| 1987 | $20,736.00 (every month) | No | Jan 2017 to Dec 2017 | |
| 1988 | $20,736.00 (every month) | No | Jan 2018 to Dec 2018 | |
| 1989 | $20,736.00 (every month) | No | Jan 2019 to Dec 2019 | |
| 1990 | $20,736.00 (every month) | No | Jan 2020 to Dec 2020 | |
| 1991 | $20,736.00 (every month) | No | Jan 2021 to Dec 2021 | |
| 1992 | $20,736.00 (every month) | No | Jan 2022 to Dec 2022 | |
| 1993 | $16,412.00 to $20,736.00 | No | Jan 2023 to Dec 2023 | January and February $20,736.00; March to December $16,412.00 |
| 1994 | $16,412.00 (every month) | No | Jan 2024 to Dec 2024 | |
| 1995 | $12,356.00 to $16,412.00 | No | Jan 2025 to Dec 2025 | rules changed May 1995 |
| 1996 | $12,524.00 to $12,864.00 | December issue only | Jan 2026 to Dec 2026 | December issue: $12,864.00 from December 1, 2026 (note 1) |
| 1997 | $12,660.00 to $12,984.00 | Yes | Jan 2027 to Dec 2027 | |
| 1998 | $12,616.00 to $12,828.00 | Yes | Jan 2028 to Dec 2028 | |
| 1999 | $12,432.00 to $12,624.00 | Yes | Jan 2029 to Dec 2029 | |
| 2000 | $12,304.00 to $12,476.00 | Yes | Jan 2030 to Dec 2030 | |
| 2001 | $12,084.00 to $12,292.00 | Yes | Jan 2031 to Dec 2031 | $10,000 Patriot Bond value from December 2001 |
| 2002 | $11,812.00 to $12,068.00 | Yes | Jan 2032 to Dec 2032 | |
| 2003 | $11,112.00 to $11,780.00 | Yes | Jan 2033 to Dec 2033 | |
| 2004 | $10,700.00 to $11,080.00 | Yes | Jan 2034 to Dec 2034 | |
| 2005 | $10,296.00 to $10,672.00 | Yes | Jan 2035 to Dec 2035 | |
| 2006 | $10,180.00 to $10,600.00 | Yes | Jan 2036 to Dec 2036 | |
| 2007 | $8,784.00 to $10,148.00 | Yes | Jan 2037 to Dec 2037 | April: $10,056.00; May to December below $10,000 |
| 2008 | $6,300.00 to $8,764.00 | Yes | Jan 2038 to Dec 2038 | below $10,000 until 2028 |
| 2009 | $5,648.00 to $6,296.00 | Yes | Jan 2039 to Dec 2039 | below $10,000 until 2029 |
| 2010 | $5,508.00 to $6,296.00 | Yes | Jan 2040 to Dec 2040 | below $10,000 until 2030 |
| 2011 | $5,476.00 to $5,924.00 | Yes | Jan 2041 to Dec 2041 | below $10,000 until 2031; lowest: December 2011 |
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 $10,000 bond are the file's $25-unit value times 400. Rules for each issue period: Series EE savings bonds.
Note 1: the December 1996 issue earns until December 1, 2026, then stops.
Why a $10,000 EE Bond From 2007 to 2011 Is Worth Less Than $10,000
A $10,000 EE bond from May 2007 to December 2011 is worth less than $10,000 because paper EE bonds sold for half of face and reach face only at original maturity, 20 years after issue (31 CFR 351.35(f)(1)).
These 56 issue months are worth $5,476.00 to $9,644.00 in November 2026. The May 2007 bond reaches $10,000.00 in May 2027, not $20,000.
Table 2: $10,000 EE bonds worth less than $10,000 in November 2026, and when each reaches $10,000
| Issue months | Value, November 2026 | Reaches $10,000 |
|---|---|---|
| May to December 2007 | $8,784.00 to $9,644.00 | May to December 2027 |
| January to December 2008 | $6,300.00 to $8,764.00 | January to December 2028 |
| January to December 2009 | $5,648.00 to $6,296.00 | January to December 2029 |
| January to December 2010 | $5,508.00 to $6,296.00 | January to December 2030 |
| January to December 2011 | $5,476.00 to $5,924.00 | January to December 2031 |
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 $10,000 bond are the file's $25-unit value times 400.
Which $10,000 EE Bonds Have Stopped Earning Interest
Every $10,000 EE bond issued January 1980 through November 1996 has stopped earning interest and keeps its final value, $12,356.00 to $33,480.00 in November 2026 (203 issue months). Final maturity comes 30 years after issue; three groups follow.
- January 1980 to November 1996 issues: stopped.
- December 1996 issues: earning until December 1, 2026 ($12,660.00 now, $12,864.00 from then).
- January to April 1997 issues: earning until January to April 2027.
The rules on when savings bonds stop earning interest cover every series.
Why $10,000 EE Bonds Issued a Month Apart Can Differ by More Than $4,000
Two $10,000 EE bonds issued a month apart can differ by more than $4,000 because each issue period has its own rules: April 1995 is worth $16,412.00 and May 1995 $12,356.00.
The guaranteed minimum rate (the lowest Treasury promised) sets plateaus of $23,064.00 (March 1983 to October 1986), $20,736.00 (November 1986 to February 1993) and $16,412.00 (March 1993 to April 1995).
All 158 issue months from January 1980 to February 1993 are worth more than $20,000. May 2003 ($11,756.00) and June 2003 ($11,300.00) differ because the guarantee moved from 17 to 20 years, April 2007 ($10,056.00) and May 2007 ($9,644.00) because the fixed rate fell.
$10,000 Patriot Bonds (2001 to 2011)
A $10,000 Patriot Bond is a paper Series EE bond issued December 2001 to December 2011 with a "Patriot Bond" inscription, worth $5,476.00 to $12,100.00 in November 2026 like any EE bond of that month.
How Much Is a $10,000 Series E Savings Bond Worth?
A $10,000 Series E savings bond is worth $42,668.00 to $93,644.00 in November 2026, and that value no longer changes.
The $10,000 denomination carries issue dates from May 1952 to June 1980 (rules for Series E savings bonds). It cost $7,500.00 (75% of face) and is payable any time after two months from issue (31 CFR 315.35(c)).
Every E bond had stopped earning by June 2010. Old bonds are Series E, never "EE" (TreasuryDirect's calculator; 31 CFR 316.2(b)).
Table 3: What a $10,000 Series E savings bond is worth in November 2026, by issue year (values are final and no longer change)
| Issue year | Issue months | Value of a $10,000 bond, November 2026 | Stopped earning (final maturity) | Life (years) |
|---|---|---|---|---|
| 1952 | May to Dec | $69,352.00 to $71,256.00 | May to Dec 1992 | 40 |
| 1953 | Jan to Dec | $65,352.00 to $71,256.00 | Jan to Dec 1993 | 40 |
| 1954 | Jan to Dec | $67,544.00 to $71,012.00 | Jan to Dec 1994 | 40 |
| 1955 | Jan to Dec | $71,012.00 to $74,716.00 | Jan to Dec 1995 | 40 |
| 1956 | Jan to Dec | $74,716.00 to $79,824.00 | Jan to Dec 1996 | 40 |
| 1957 | Jan to Dec | $72,388.00 to $82,032.00 | Jan to Dec 1997 | 40 |
| 1958 | Jan to Dec | $73,248.00 to $75,736.00 | Jan to Dec 1998 | 40 |
| 1959 | Jan to Dec | $74,404.00 to $76,612.00 | Jan to Dec 1999 | 40 |
| 1960 | Jan to Dec | $75,400.00 to $78,872.00 | Jan to Dec 2000 | 40 |
| 1961 | Jan to Dec | $78,872.00 to $82,700.00 | Jan to Dec 2001 | 40 |
| 1962 | Jan to Dec | $82,700.00 to $86,088.00 | Jan to Dec 2002 | 40 |
| 1963 | Jan to Dec | $86,088.00 to $89,820.00 | Jan to Dec 2003 | 40 |
| 1964 | Jan to Dec | $89,820.00 to $93,644.00 | Jan to Dec 2004 | 40 |
| 1965 | Jan to Dec | $51,248.00 to $93,644.00 | January to November 2005; December 1995 | 40 (Jan to Nov), 30 (Dec) |
| 1966 | Jan to Dec | $48,776.00 to $51,252.00 | Jan to Dec 1996 | 30 |
| 1967 | Jan to Dec | $50,344.00 to $52,512.00 | Jan to Dec 1997 | 30 |
| 1968 | Jan to Dec | $52,512.00 to $54,912.00 | Jan to Dec 1998 | 30 |
| 1969 | Jan to Dec | $53,368.00 to $55,440.00 | Jan to Dec 1999 | 30 |
| 1970 | Jan to Dec | $54,800.00 to $56,004.00 | Jan to Dec 2000 | 30 |
| 1971 | Jan to Dec | $50,424.00 to $50,780.00 | Jan to Dec 2001 | 30 |
| 1972 | Jan to Dec | $50,352.00 to $51,332.00 | Jan to Dec 2002 | 30 |
| 1973 | Jan to Dec | $51,392.00 to $52,704.00 | Jan to Dec 2003 | 30 |
| 1974 | Jan to Dec | $51,392.00 to $52,636.00 | Jan to Dec 2004 | 30 |
| 1975 | Jan to Dec | $52,628.00 to $53,900.00 | Jan to Dec 2005 | 30 |
| 1976 | Jan to Dec | $53,904.00 to $55,216.00 | Jan to Dec 2006 | 30 |
| 1977 | Jan to Dec | $51,236.00 to $55,880.00 | Jan to Dec 2007 | 30 |
| 1978 | Jan to Dec | $42,668.00 to $51,380.00 | Jan to Dec 2008 | 30 |
| 1979 | Jan to Dec | $43,312.00 to $44,248.00 | Jan to Dec 2009 | 30 |
| 1980 | Jan to Jun | $44,248.00 to $44,700.00 | Jan to Jun 2010 | 30 |
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 $10,000 bond are the file's $25-unit value times 400. Life: 40 years through November 1965, 30 years from December 1965 (31 CFR 316.8(b)).
The Most Valuable $10,000 E Bonds and the 1965 Drop
The most valuable $10,000 E bonds are the December 1964 and January 1965 issues, at $93,644.00 each in November 2026. November 1965 is worth $73,612.00 and December 1965 $51,248.00, because the life drops from 40 to 30 years. The cheapest is May 1978 ($42,668.00).
Why No $10,000 War Bond Exists
No $10,000 war bond exists because the $10,000 Series E carries issue dates from May 1952, years after the 1941 to 1945 Defense and War Savings Bonds. A $10,000 bond dated 1941 to April 1952 is Series F or G (Table 4). See what war bonds are worth now.
The $100,000 Series E Bond for Plan Trustees
A $100,000 Series E bond, sold only to trustees of employee savings plans, is worth 10 times the $10,000 E bond with the same issue date (31 CFR 316.10(a), 316.2(b)). Its issue window is not published, and Treasury's calculator does not price it.
How Much Did a $10,000 Savings Bond Cost, and Which Series Came in $10,000?
A $10,000 savings bond cost $5,000 as a paper Series EE bond, $7,500 as a Series E bond and its full $10,000 face as a paper Series I, H, HH, G or K bond.
Nine series came in $10,000: EE, paper I, E, H, HH, F, G, J and K. F sold at 74% of face, J at 72%.
Table 4 lists them all; see types of US savings bonds.
Table 4: Which series came in $10,000, what it cost and what it is worth
| Series | Issue dates | Price of a $10,000 bond | Worth in November 2026 | Cashed |
|---|---|---|---|---|
| Series EE (paper, including Patriot Bonds) | Dec 2011 and earlier (first $10,000 issue month not established) | $5,000 (half of face) | $5,476.00 to $33,480.00 (Table 1) | bank or mail |
| Series E | May 1952 to Jun 1980 (this face) | $7,500 (75% of face) | $42,668.00 to $93,644.00 (Table 3) | bank or mail |
| Series I savings bonds (paper) | Mainly Sep 1998 to 2007 (note 2) | $10,000 (face) | by issue month; November 2001 issue: $31,396.00 | bank or mail |
| Series H savings bonds | Jun 1952 to Dec 1979 | face | $10,000 (face) | mail only |
| Series HH savings bonds | Jan 1980 to Aug 2004 (cash sales until 1982) | face | $10,000 (face); all stopped Aug 2024 | Treasury only, by mail |
| Series F savings bonds | 1941 to Apr 1952 | 74% of face | $10,000 (face) | mail only |
| Series G | 1941 to Apr 1952 | face | face plus a final $1.25 per $100 | mail only |
| Series J | May 1952 to Apr 1957 | 72% of face | $10,000 (face) | mail only |
| Series K | May 1952 to Apr 1957 | face | face plus a final $6.90 per $500 | mail only |
Sources: 31 CFR 351.40, 316.2(b), 359.25, 332, 352.2, 315.35(b) and (d); 31 CFR 321.9(b); TreasuryDirect. Treasury's denomination lists show no $10,000 bond in Series A to D, Savings Notes, Retirement Plan Bonds or Individual Retirement Bonds.
Note 2: sold over the counter and through payroll. Tax-refund paper I bonds were limited to $5,000 per return (Form 8888), and the November 2001 value comes from Treasury's Savings Bond Calculator ($25-unit value times 400), not from our tables.
$10,000 Series H, HH, F, G, J and K Bonds Pay Face Value
A $10,000 Series H, HH, F or J bond is worth exactly its $10,000 face value; a G bond pays face plus a final $1.25 per $100 and a K bond face plus a final $6.90 per $500.
H and HH paid interest every six months; the last H stopped December 2009 and all HH August 2024 (TreasuryDirect HH page).
None of the six goes to a bank (31 CFR 321.9(b)). Each goes by mail with FS Form 1522; HH is paid by direct deposit only, never in part.
How to Find the Exact Value of Your $10,000 Savings Bond
Treasury values a $10,000 bond by its series, face value and issue month, with no serial number. A paper bond shows all three (how to read a paper savings bond). Five steps find the value.
- Read the series letter: EE, I, E, H, HH, F, G, J or K.
- Read the issue month, not the validation date.
- Find the year in Table 1 (EE), Table 3 (E) or Table 4 (other series).
- Open the year page or price the exact month in our calculator or Treasury's.
- Check the as-of month (November 2026 here).
A $10,000 bond is 400 $25 units, and "the effect of rounding off the value of the $12.50 unit increases at higher denominations" (31 CFR 351.16). TreasuryDirect's calculator is Treasury's free tool.
"$10,000" is also the yearly purchase limit for electronic EE and I bonds (31 CFR 363.52(a)), not a paper face. A $10,000 EE bond dated 2012 or later is electronic (paper EE ended December 2011, 76 FR 66855) and is valued only in the owner's TreasuryDirect account; see electronic savings bonds.
What Happens to a $10,000 Bond's Value in the Coming Months
A $10,000 EE bond that still earns interest rises or holds on the 1st of each month; stopped EE bonds and every E, H, HH, F, G, J and K bond stay fixed. The December 1996 bond takes its last step on December 1, 2026.
Table 5: Six $10,000 EE bonds, November 2026 to May 2027
| Issue month | Nov 2026 | Dec 2026 | Jan 2027 | Feb 2027 | Mar 2027 | Apr 2027 | May 2027 |
|---|---|---|---|---|---|---|---|
| December 1996 | $12,660.00 | $12,864.00 | $12,864.00 | $12,864.00 | $12,864.00 | $12,864.00 | $12,864.00 |
| January 1997 | $12,660.00 | $12,660.00 | $12,864.00 | $12,864.00 | $12,864.00 | $12,864.00 | $12,864.00 |
| May 1997 | $12,984.00 | $13,028.00 | $13,072.00 | $13,112.00 | $13,156.00 | $13,200.00 | $13,244.00 |
| January 2003 | $11,780.00 | $11,812.00 | $11,844.00 | $11,884.00 | $11,924.00 | $11,964.00 | $12,004.00 |
| May 2007 | $9,644.00 | $9,672.00 | $9,700.00 | $9,724.00 | $9,752.00 | $9,780.00 | $10,000.00 |
| December 2011 | $5,476.00 | $5,480.00 | $5,484.00 | $5,484.00 | $5,488.00 | $5,492.00 | $5,492.00 |
Future months are Treasury's scheduled values; 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 $10,000 bond are the file's $25-unit value times 400.
Cashing a $10,000 Savings Bond: Signature Certification and ID Rules
A $10,000 bond is cashed at a bank that redeems savings bonds or by mail with FS Form 1522, and because every $10,000 bond is worth more than $1,000, both routes need more than an ID document. See how to cash savings bonds.
Banks may cash paper bonds but need not (FS Publication 0022). An ID document alone suffices only up to $1,000 (31 CFR 321, Appendix item 11(a)); a $10,000 bond needs other identification, such as an account. If a bank declines, mail it; Treasury pays by direct deposit.
FS Form 1522 (revised April 2026; the form, PDF, TreasuryDirect) asks for a signature before a notary or certifying officer when the request totals more than $1,000. Every $10,000 bond meets that test; see savings bond signature certification. Mail it to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150.
When to Cash and Where
A stopped $10,000 bond gains nothing by waiting. No savings bond expires, so there is no deadline (Executive Order 13968, 85 FR 83745). Policies differ among banks that cash savings bonds, and the other route is to cash it by mail with FS Form 1522.
A $10,000 Bond in an Estate: The $100,000 Line
Treasury requires court administration if the decedent's Treasury securities total more than $100,000 in redemption value at the date of death (31 CFR 353.71(d)).
One $10,000 E bond is worth up to $93,644.00 in November 2026, and any two issued May 1952 to November 1965 pass the line together. An attorney decides; see savings bonds in probate.
Federal Tax on a $10,000 Bond's Interest
The interest on a $10,000 bond is federally taxable and exempt from state and local income tax (31 U.S.C. 3124(a)). It is reportable when cashed or at final maturity, whichever comes first, unless reported yearly (26 U.S.C. 454(a)). Form 1099-INT reports $10 or more; see are savings bonds taxable and Form 1099-INT for savings bonds.
Values for Other Face Values
Other face values:
- How much a $10 savings bond is worth: Series E only
- How much a $25 savings bond is worth: Series E only
- How much a $50 savings bond is worth
- How much a $75 savings bond is worth
- How much a $100 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
- How much a $5,000 savings bond is worth: no Series E
- Any other face value: the calculator above
- Savings bond interest rates by issue date
$10,000 Savings Bond FAQ
How much is a $10,000 savings bond worth after 30 years?
A $10,000 EE bond at 30 years (issued January 1980 to November 1996) is worth $12,356.00 to $33,480.00 in November 2026, its final value. Every $10,000 E bond is past final maturity too; see when savings bonds mature.
How much is a $10,000 savings bond worth after 20 years?
A paper $10,000 EE bond issued June 2003 or later is worth at least $10,000 at 20 years, not $20,000, because it cost $5,000 and the guarantee doubles that price. June 2003 to November 2006 issues are worth $10,188.00 to $11,300.00 in November 2026.
What is the value of a 1998 $10,000 savings bond?
A 1998 $10,000 EE bond is worth $12,616.00 to $12,828.00 in November 2026 and earns interest until 2028; see the 1998 Series EE savings bond value by month.
What interest rate does a $10,000 savings bond earn?
A $10,000 EE bond issued May 1997 to April 2005 earns 4.02% for 6-month periods starting on or after November 1, 2026. December 2006 to December 2011 issues keep the fixed rate set at issue (0.60% to 3.60%) until 20 years after issue. EE bonds from January 1980 to November 1996 and every E, H, HH, F, G, J and K bond earn nothing. See savings bond interest rates by issue date.
What if a $10,000 savings bond is lost or destroyed?
A lost, stolen or destroyed $10,000 bond is claimed with FS Form 1048 (revised March 2026), free from Treasury (the form, PDF, TreasuryDirect). Every $10,000 bond is above $5,000, so the form asks for any police or insurer report. Lost-bond searches take eleven months or longer (TreasuryDirect, November 11, 2026); see FS Form 1048 for lost bonds.
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.