A paper $5,000 Series EE savings bond is worth $2,738.00 to $16,740.00 in November 2026, depending on its issue month (January 1980 to December 2011). Treasury lists no $5,000 Series E bond, and a $5,000 Series H, HH, F or J bond pays its $5,000 face value (the amount printed on the bond).
These redemption values (what Treasury pays on cashing) come from Treasury's Savings Bonds Value Files and change only on the 1st of a month.
Values for November 2026
How Much Is a $5,000 Series EE Savings Bond Worth Today?
A $5,000 Series EE savings bond is worth $2,738.00 to $16,740.00 in November 2026, by issue month. A paper EE bond sold for half of face value, so a $5,000 bond cost $2,500. May to October 1980 issues are worth the most, December 2011 the least.
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 $5,000 Series EE savings bond is worth in November 2026, by issue year (lowest to highest issue month)
| Issue year | Value of a $5,000 bond, November 2026 | Earning interest? | Interest stops (final maturity) | Note |
|---|---|---|---|---|
| 1980 | $15,344.00 to $16,740.00 | No | Jan 2010 to Dec 2010 | highest (May to October 1980): $16,740.00 |
| 1981 | $14,690.00 to $15,344.00 | No | Jan 2011 to Dec 2011 | |
| 1982 | $14,016.00 to $14,690.00 | No | Jan 2012 to Dec 2012 | |
| 1983 | $11,532.00 to $14,016.00 | No | Jan 2013 to Dec 2013 | |
| 1984 | $11,532.00 (every month) | No | Jan 2014 to Dec 2014 | |
| 1985 | $11,532.00 (every month) | No | Jan 2015 to Dec 2015 | |
| 1986 | $10,368.00 to $11,532.00 | No | Jan 2016 to Dec 2016 | |
| 1987 | $10,368.00 (every month) | No | Jan 2017 to Dec 2017 | |
| 1988 | $10,368.00 (every month) | No | Jan 2018 to Dec 2018 | |
| 1989 | $10,368.00 (every month) | No | Jan 2019 to Dec 2019 | |
| 1990 | $10,368.00 (every month) | No | Jan 2020 to Dec 2020 | |
| 1991 | $10,368.00 (every month) | No | Jan 2021 to Dec 2021 | |
| 1992 | $10,368.00 (every month) | No | Jan 2022 to Dec 2022 | |
| 1993 | $8,206.00 to $10,368.00 | No | Jan 2023 to Dec 2023 | January and February $10,368.00; March to December $8,206.00 |
| 1994 | $8,206.00 (every month) | No | Jan 2024 to Dec 2024 | |
| 1995 | $6,178.00 to $8,206.00 | No | Jan 2025 to Dec 2025 | rules changed May 1995 |
| 1996 | $6,262.00 to $6,432.00 | December issue only | Jan 2026 to Dec 2026 | December issue: $6,432.00 from December 1, 2026 (note 1) |
| 1997 | $6,330.00 to $6,492.00 | Yes | Jan 2027 to Dec 2027 | |
| 1998 | $6,308.00 to $6,414.00 | Yes | Jan 2028 to Dec 2028 | |
| 1999 | $6,216.00 to $6,312.00 | Yes | Jan 2029 to Dec 2029 | |
| 2000 | $6,152.00 to $6,238.00 | Yes | Jan 2030 to Dec 2030 | |
| 2001 | $6,042.00 to $6,146.00 | Yes | Jan 2031 to Dec 2031 | $5,000 Patriot Bond value from December 2001 |
| 2002 | $5,906.00 to $6,034.00 | Yes | Jan 2032 to Dec 2032 | |
| 2003 | $5,556.00 to $5,890.00 | Yes | Jan 2033 to Dec 2033 | |
| 2004 | $5,350.00 to $5,540.00 | Yes | Jan 2034 to Dec 2034 | |
| 2005 | $5,148.00 to $5,336.00 | Yes | Jan 2035 to Dec 2035 | |
| 2006 | $5,090.00 to $5,300.00 | Yes | Jan 2036 to Dec 2036 | |
| 2007 | $4,392.00 to $5,074.00 | Yes | Jan 2037 to Dec 2037 | April: $5,028.00; May to December below $5,000 |
| 2008 | $3,150.00 to $4,382.00 | Yes | Jan 2038 to Dec 2038 | below $5,000 until 2028 |
| 2009 | $2,824.00 to $3,148.00 | Yes | Jan 2039 to Dec 2039 | below $5,000 until 2029 |
| 2010 | $2,754.00 to $3,148.00 | Yes | Jan 2040 to Dec 2040 | below $5,000 until 2030 |
| 2011 | $2,738.00 to $2,962.00 | Yes | Jan 2041 to Dec 2041 | below $5,000 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 $5,000 bond are the file's $25-unit value times 200. Rules for each issue period: Series EE savings bonds.
Note 1: the December 1996 issue earns until December 1, 2026, then stops.
Why a $5,000 EE Bond From 2007 to 2011 Is Worth Less Than $5,000
A $5,000 EE bond issued May 2007 to December 2011 is worth under $5,000 because it sold for half of face and reaches face only at 20 years.
That point is original maturity, when Treasury guarantees face value (31 CFR 351.35(f)(1)). These 56 issue months are worth $2,738.00 to $4,822.00 in November 2026. The May 2007 bond ($4,822.00 now) reaches $5,000.00 in May 2027: face value, not $10,000.
Table 2: $5,000 EE bonds worth less than $5,000 in November 2026, and when each reaches $5,000
| Issue months | Value, November 2026 | Reaches $5,000 |
|---|---|---|
| May to December 2007 | $4,392.00 to $4,822.00 | May to December 2027 |
| January to December 2008 | $3,150.00 to $4,382.00 | January to December 2028 |
| January to December 2009 | $2,824.00 to $3,148.00 | January to December 2029 |
| January to December 2010 | $2,754.00 to $3,148.00 | January to December 2030 |
| January to December 2011 | $2,738.00 to $2,962.00 | 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 $5,000 bond are the file's $25-unit value times 200.
Which $5,000 EE Bonds Have Stopped Earning Interest
Every $5,000 EE bond issued January 1980 through November 1996 has stopped earning interest and keeps its final value, $6,178.00 to $16,740.00 in November 2026 (203 issue months). Final maturity (when interest stops) comes 30 years after issue.
- January 1980 to November 1996 issues: stopped.
- December 1996 issues: earning until December 1, 2026 ($6,330.00 now, $6,432.00 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 $5,000 EE Bonds Issued a Month Apart Can Differ by $2,000
Two $5,000 EE bonds issued a month apart can differ by more than $2,000 because each issue period has its own rules. April 1995 is worth $8,206.00 in November 2026 and May 1995 $6,178.00.
The guaranteed minimum rate (the lowest rate Treasury promised) sets three plateaus: $11,532.00 (March 1983 to October 1986 issues), $10,368.00 (November 1986 to February 1993) and $8,206.00 (March 1993 to April 1995). All 158 issue months from January 1980 to February 1993 are worth more than $10,000 ($10,368.00 to $16,740.00).
May 2003 is worth $5,878.00 and June 2003 $5,650.00, because the guarantee moved from 17 to 20 years. April 2007 is worth $5,028.00 and May 2007 $4,822.00, because the fixed rate fell from 3.60% to 3.40%.
$5,000 Patriot Bonds (2001 to 2011)
A $5,000 Patriot Bond is a paper Series EE bond issued December 2001 to December 2011 with a "Patriot Bond" inscription. It is worth $2,738.00 to $6,050.00 in November 2026, like any EE bond of that month.
Is There a $5,000 Series E Savings Bond?
No $5,000 Series E savings bond appears in Treasury's rules: TreasuryDirect's calculator lists Series E face values from $10 to $10,000 without $5,000.
The face values in 31 CFR 316.2(b) do not include it either; check the list in TreasuryDirect's calculator and the rule in 31 CFR 316.2(b). The rules for Series E savings bonds, sold May 1941 to June 1980 at 75% of face, cover the denominations Treasury did issue.
A paper $5,000 bond dated before 1980 is Series H (June 1952 to December 1979), F (1941 to April 1952), J or K (May 1952 to April 1957). Read the series letter on the bond.
How Much Did a $5,000 Savings Bond Cost, and Which Series Came in $5,000?
A $5,000 savings bond cost $2,500 as a paper Series EE bond and its full $5,000 face as a paper Series I, H, HH or K bond.
Treasury's lists show seven kinds in $5,000 (EE, paper I, H, HH, F, J and K) and none for Series A to D, E, G, Savings Notes or the two retirement bonds.
Table 3 lists them.
Table 3: Which series came in $5,000, what it cost and what it is worth
| Series | Issue dates | Price of a $5,000 bond | Worth in November 2026 | Cashed |
|---|---|---|---|---|
| Series EE (paper, including Patriot Bonds) | Jan 1980 to Dec 2011 | $2,500 (half of face) | $2,738.00 to $16,740.00 (Table 1) | bank or mail |
| Series I savings bonds (paper) | Sep 1998 to Dec 2011 (note 2) | $5,000 (face) | by issue month; November 2001 issue: $15,698.00 | bank or mail |
| Series H savings bonds | Jun 1952 to Dec 1979 | face | $5,000 (face) | mail only |
| Series HH savings bonds | Jan 1980 to Aug 2004 (cash sales until 1982) | face | $5,000 (face); all stopped Aug 2024 | Treasury only, by mail |
| Series F savings bonds | 1941 to Apr 1952 | 74% of face | $5,000 (face) | mail only |
| Series J | May 1952 to Apr 1957 | 72% of face | $5,000 (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, 359.25, 332, 352.2 and 315.35(b) and (d); 31 CFR 321.9(b); TreasuryDirect. All series: types of US savings bonds.
Note 2: sold over the counter and through payroll. The $5,000 denomination of tax-refund paper I bonds (2010 to 2024) is not established in a primary source we checked, and the November 2001 value comes from Treasury's Savings Bond Calculator ($25-unit value times 200), not from our tables.
$5,000 Series H, HH, F, J and K Bonds Pay Face Value
A $5,000 Series H, HH, F or J bond is worth exactly its $5,000 face value, and a K bond pays face plus a final $6.90 per $500. H and HH paid interest every six months; the last H stopped in December 2009 and all HH in August 2024 (TreasuryDirect HH page).
None goes to a bank (31 CFR 321.9(b)); each goes by mail with FS Form 1522, Treasury's request form for paper bonds. HH is paid by direct deposit only, never in part.
How to Find the Exact Value of Your $5,000 Savings Bond
Find a $5,000 bond's value by its series, face value and issue month; Treasury needs 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, H, HH, F, J or K.
- Read the issue month, not the validation date.
- Find the year in Table 1 (EE) or Table 3 (other series).
- Price the exact month in our calculator or Treasury's.
- Check the as-of month (November 2026 here).
A $5,000 bond is two hundred $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 and prices paper I bonds.
These tables price paper bonds. A $5,000 EE bond dated 2012 or later is electronic (paper EE ended in December 2011, 76 FR 66855), and its value shows only in the owner's TreasuryDirect account (Treasury's online system); see electronic savings bonds.
What Happens to a $5,000 Bond's Value in the Coming Months
A $5,000 EE bond that still earns interest rises or holds on the 1st of each month; stopped EE bonds and every H, HH, F, J and K bond stay fixed.
The May 2007 bond reaches $5,000.00 in May 2027, and the December 1996 bond takes its last step on December 1, 2026. By May 2027, 19 of 181 earning issue months hold at least once.
Table 4: Six $5,000 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 | $6,330.00 | $6,432.00 | $6,432.00 | $6,432.00 | $6,432.00 | $6,432.00 | $6,432.00 |
| January 1997 | $6,330.00 | $6,330.00 | $6,432.00 | $6,432.00 | $6,432.00 | $6,432.00 | $6,432.00 |
| May 1997 | $6,492.00 | $6,514.00 | $6,536.00 | $6,556.00 | $6,578.00 | $6,600.00 | $6,622.00 |
| January 2003 | $5,890.00 | $5,906.00 | $5,922.00 | $5,942.00 | $5,962.00 | $5,982.00 | $6,002.00 |
| May 2007 | $4,822.00 | $4,836.00 | $4,850.00 | $4,862.00 | $4,876.00 | $4,890.00 | $5,000.00 |
| December 2011 | $2,738.00 | $2,740.00 | $2,742.00 | $2,742.00 | $2,744.00 | $2,746.00 | $2,746.00 |
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 $5,000 bond are the file's $25-unit value times 200.
Cashing a $5,000 Savings Bond: Signature Certification and ID Rules
Every $5,000 bond needs more than an ID document to cash, because each one is worth more than $1,000. Cash it at a bank that redeems savings bonds or by mail with FS Form 1522; H, HH, F, J and K bonds go by mail only. See how to cash savings bonds.
Banks may cash paper bonds but need not (FS Publication 0022). Treasury's guide says paying more than $1,000 on an ID document alone "should be particularly avoided" (31 CFR 321, Appendix item 11(a)), so a bank pays a $5,000 bond on other identification, such as an established account.
If a bank declines, mail it. Treasury pays mailed redemptions by direct deposit only, with no limit on value.
FS Form 1522 (revised April 2026; the form, PDF, TreasuryDirect) asks you to sign before a notary or certifying officer (an official such as a bank officer) when the request totals more than $1,000.
Every $5,000 bond meets that test, since the lowest, December 2011, is worth $2,738.00. Who may certify the signature is explained under savings bond signature certification. Mail the form to Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150.
When to Cash and Where
A stopped $5,000 bond gains nothing by waiting; one still earning rises or holds monthly. No savings bond expires (Executive Order 13968, 85 FR 83745). Policies differ among banks that cash savings bonds. The other route is to cash it by mail with FS Form 1522.
Federal Tax on a $5,000 Bond's Interest
The interest on a $5,000 bond (value minus price) is federally taxable and exempt from state and local income tax (31 U.S.C. 3124(a)).
It is reportable for the year the bond is cashed or reaches final maturity, whichever is first, unless reported yearly (26 U.S.C. 454(a)); a bond that reached final maturity earlier belongs to that earlier year.
Form 1099-INT reports $10 or more. See are savings bonds taxable and reduce taxes on savings bond interest; ask a tax professional about your return.
Values for Other Face Values
Other face values, $10 to $10,000, are priced the same way.
- 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 $10,000 savings bond is worth
- Savings bond interest rates by issue date
$5,000 Savings Bond FAQ
How much would a $5,000 savings bond be worth in 20 years?
A paper $5,000 EE bond issued June 2003 or later is worth at least $5,000 at 20 years, not $10,000, because it cost $2,500 and the guarantee doubles the price. June 2003 to November 2006 issues are worth $5,094.00 to $5,650.00 now.
How long does it take for a $5,000 savings bond to mature?
A $5,000 EE bond reaches original maturity after 8 to 20 years, depending on its issue date, and final maturity after 30 years. Paper I bonds take 30 years, HH 20, and F, J and K 12. See when savings bonds mature.
How much would a $5,000 savings bond from 1994 be worth today?
A 1994 $5,000 EE bond is worth $8,206.00 in November 2026 in every issue month, and it stopped earning interest in 2024. The 1994 Series EE savings bond value page covers each month.
What interest rate does a $5,000 savings bond earn?
A $5,000 EE bond issued May 1997 to April 2005 earns 4.02% for 6-month periods starting on or after November 1, 2026, and one issued December 1996 to April 1997 earns 3.80%. EE bonds issued May 2005 and later earn a fixed rate through 20 years; Treasury has announced no rate for years 20 to 30 as of November 11, 2026. EE bonds issued January 1980 to November 1996 and every H, HH, F, J and K bond earn nothing. See savings bond interest rates by issue date.
What if a $5,000 savings bond is lost or destroyed?
A lost, stolen or destroyed $5,000 bond is claimed with FS Form 1048 (revised March 2026), free from Treasury (the form, PDF, TreasuryDirect). If the missing bonds total more than $5,000 and police or an insurer investigated, the form asks for the report. TreasuryDirect lists eleven months or longer for lost-bond searches (as of November 11, 2026). The steps are under 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.