How Much Is My US Savings Bond Worth?

Have you ever asked yourself, how much is my savings bond worth? You have come to the right place! Continue reading ahead for more details on this important subject.

United States savings bonds have been utilized by ages of ordinary Americans to produce a steady, low in risk, and quantifiable profit for money reserve funds. Contingent upon the sort of savings bonds and the accessible loan fees when the security is bought, savings bonds may give a superior yield than a bank investment account, in case you are willing to trust that the security will develop.

Such bonds are commonly viewed as protected, steady, low-risk ventures, since they are given by the U.S. Depository and upheld by the full confidence and credit of the United States government. Savings bonds are a type of government obligation. At the point when you purchase a reserve funds security, you are loaning cash to the government and consenting to have the public authority reimburse that cash to you throughout a specific time frame at a specific financing cost.

There are a few kinds of U.S. savings bonds, some of which are not, at this point given yet are as yet acquiring revenue or building esteem. A few reserve funds securities are old to the point that they may not, at this point be procuring revenue or picking up worth and should be reclaimed for money. Different reserve funds securities can be recovered for money whenever, however the bondholder probably would not get the full money esteem measure of the security on the off chance that they choose to reclaim their reserve funds securities before a specific time span.

On the off chance that you own a U.S. savings bond, you need to ask yourself questions like how much is my savings bond worth, how it works for gathering interest and arriving at a development date, and whatever other variables that influence when or in the event that you ought to reclaim the savings bond.

How to Calculate The Current Value of a US Savings Bond?

On the off chance that you have the harsh subtleties of a bond, you might be glad simply figuring it instead of finding it. Perhaps you are asking yourself “How much is my savings bond worth?” however you would prefer not to know so gravely as to experience enlisting, adding it, and so forth I get it. It’s only quicker to utilize a savings bond calculator. To ascertain the estimation of your investment funds securities, you will need to know it’s type, denomination, serial number, and issue date.

  • Series of the bond – so EE, I, E, or Savings Notes
  • The denomination – this is the face value of the bond
  • Bond series number – this is optional
  • Issue date – if you only put a year, it assumes February of that year

When you have this data, you can utilize a savings bond calculator to discover how much your security is worth at the present time. The most authentic site to do this is, which is controlled by the public authority. Alongside the number cruncher, you can discover point by point directions on discovering your bond’s future worth, how to build and spare a stock of bonds (on the off chance that you have multiple), and how to discover the interest to answer to the IRS4, which you can do as you go or when the bonds develop.

As you click Calculate, it will figure the qualities and add them as individual lines to the rundown. You can eliminate those lines by clicking a little blue Remove button on the right. It would seem that it was made in 2001 yet it works extraordinarily.

How to Calculate the Future Value of a US Saving Bond?

This is somewhat trickier in light of the fact that a large number of the most engaging bonds are adjusted to inflation and it is difficult to tell what the CPI will be later on. Ask one master and they will disclose to you that expansion is truly 3% however ask another and they will state that the Federal Reserve has been printing such a lot of cash we hazard emptying.

The Treasury Direct mini-computer will give you the incentive into the future however long the loan cost is set. For instance, since the expansion rate changes two times per year, you can discover the estimation of a security up until the following rate change. Something else, in the event that you need to compute it, at that point you should make presumptions and simply deal with it like a ledger that gathers interest month to month.

Here are some more examples based on the Treasury’s calculator. These values are estimated based on past interest rates. Future interest rates will vary.

Face Value Purchase Amount 20-Year Value (Purchased May, 2000) 30-Year Value (Purchased May, 1990)
$50 Bond $25 $53.08 $103.68
$100 Bond $50 $106.16 $313.52
$500 Bond $250 $530.80 $1,036.80
$1,000 Bond $500 $1,061.60 $2,073.60

How To Cash A US Savings Bond?

There are a couple of various approaches to cash in (“reclaim”) your savings bonds. In the event that your savings bond was bought electronically, for example, one of the Series EE or Series I bonds, you can recover your securities online by means of your TreasuryDirect account. Just go on the website, log in on your account, follow the instructions, and get the cash stored to your checking or bank account within a couple of business days (typically two).

On the off chance that you have a paper savings bond, you can frequently get it cashed at a nearby bank or credit association. As per the Treasury Department, over 95% of savings bonds are changed at local banks and credit associations. In any case, some older arrangements of savings bonds can’t be directly recovered at the bank or credit association; all things considered, you should round out a special form, FS Form 1522, and send the cling to the Treasury Department’s Treasury Retail Security Services group with an ensured signature and direct store guidelines.

Regardless of whether your bank or credit association can’t cash a more established security for you, or in the event that you have extraordinary conditions like expecting to reclaim a bond that was acquired as a feature of an expired individual’s bequest, the bank will normally have the option to assist you with understanding the cycle for recovering the security and can guarantee your mark on the Treasury structure. Thus, if all else fails, start by going to the bank.

US Savings Bond Value Chart

The government started giving paper EE bonds in July 1980. Paper EE bonds are given at a rebate of half of their presumptive worth. The public authority offers them in categories (face value) of $50, $75, $100, $200, $500, $1,000, $5,000 and $10,000. By and large, a customer may spend up to $30,000 (that is, $60,000 face esteem) per schedule year on paper EE bonds. The central government started giving electronic EE bonds in May 2003. Electronic bonds are not given at a rebate, yet rather are given distinctly at face value. By and large a customer may spend up to $30,000 per schedule year on electronic bonds. The outline beneath sums up the yearly buy impediments:

Paper Bonds Face Value: $60,000

Cost: $30,000

Electronic Bonds Face Value: $30,000

Cost: $30,000

Total Annual Limit Face Value: $90,000

Cost: $60,000

Any rate of revenue, determined as 90% of the half year average of five-year Treasury protections, is applied to the securities semiannually, bringing about a rate of interest that shifts over the life of the bonds. Albeit gathered interest is added to the bond value month to month, genuine accumulating is done on a semiannual premise. The Treasury Department declares new rates each May 1 and November 1. When the Treasury reports another rate, it applies to all securities given or held during the following half year holding period.

The government gives out series I bonds in similar categories as arrangement EE bonds, $50, $75, $100, $200, $500, $1,000, $5,000 and $10,000. However, unlike EE bonds, series I bonds are given at face value. Customers may purchase a limit of $60,000 worth of I bonds every year: $30,000 in paper bonds and $30,000 in electronic bonds. Likewise with EE securities, the current rate of interest for every series I bond is reported each May 1 and November 1.

The financing cost on I bonds is a combination fixed and variable rate. The Treasury decides the fixed rate each May 1 and November 1. When the Treasury decides a fixed rate, the rate applies to all securities given during the half year time frame. The underlying fixed rate does not change for a specific security over the long haul; it applies all through the bond’s life (for as long as 30 years).

The government also decides the variable loan fee segment utilizing the Consumer Price Index for All Urban Consumers (CPI-U), distributed by the Department of Labor’s Bureau of Labor Statistics. This variable rate, additionally declared on May 1 and November 1, applies to each semiannual premium period. The May rate depends on the rate change between the purchaser value file figures from the former October through March half year time frame. The November rate is also founded on changes in the CPI-U from the former April through September period.

How Much Is A $100 US Savings Bond Worth After 30 Years?

Some people also ask how much is a $100 savings bond worth, especially after 30 years.

A $50 bond given in August 1982, for which somebody would have paid $25, is currently worth $146.90. A $100 bond from February 1984 is useful for $230.64.

Additionally you should also know, what amount is a $100 investment funds security worth from 1994? Series EE Bonds are the most popular savings bonds given by the U.S. government, the paper form of EE bonds mirrors an assumed value the bond will be worth in the next 20 years. So if the bond says $100 on the front, it sells initially for $50. In 1994, U.S. Series EE bonds were available to be purchased in such a way.

In this regard, what amount is a $100 savings bond from 1991 worth?

These bonds mature 30 years from the date of issue. A Series EE given 19 years prior (Aug. 1, 2001) is presently yielding 4 percent and has a yield over its lifetime of about 5.26 percent. The bond is worth around $67.06, with $25 in principal and $42.06 in revenue profit.

US Savings Bond Maturity

The savings bonds fill in as zero-coupon bonds in which security coupons, or interest installments, are added to the bond’s principal worth instead of paid out occasionally.

The definitely unique maturity dates for these securities result from the contrasting rates of interest incorporated into every Series EE bond when it is given. Bonds given today accompany a repaired rate for a maximum of 30 years. More established bonds bought somewhere in the range of 1997 and 2005 have a variable rate that changes two times every year, and bonds that are even older than that have rates that rely upon what year they were bought in.

Previously, EE bonds were bought at a rebate and they arrived at face an incentive at development. In the event that you buy an EE bond today, you pay face value and the bond gathers revenue as you hold it. Until the bond matures, it fills in an incentive by the measure of revenue, or coupons, accumulated every year until possibly you cash it in or it arrives at its 30 year benchmark from the date of issue.

The following list mentions the maturity dates for Series EE bonds:

  • Jan–Oct 1980: 11 years
  • Nov 1980–Apr 1981: 9 years
  • May 1981–Oct 1982: 8 years
  • Nov 1982–Oct 1986: 10 years
  • Nov 1986–Feb 1993: 12 years
  • Mar 1993–Apr 1995: 18 years
  • May 1995–May 2003: 17 years
  • After Jun 2003: 20 years

The U.S. Depository Department gives you an assurance that your EE bonds will arrive at maturity in 20 years. In any case, some reach that point a little sooner relying upon their implicit financing cost.

Before you move to trade out your bonds, check the issue date. You can’t trade them out inside one year of issue.

To keep away from receiving a penalty, you should hold the bond for a minimum of five years. In the event that you cash it in before five years, you will relinquish the most recent three months of premium.

A few bonds may have a loan cost that is very low, for instance, bonds given after November 2019 acquire revenue at a pace of 0.10%.

On the off chance that you hold your bonds for 20, or even 30 years, they actually have not arrived at their full assumed worth, the Treasury will play out a one-time acclimation to raise the bond’s worth so you can trade it out for its full sum.

US Savings Bond Serial Number

So where is the serial number on a bond? The serial number can be found in the lower right corner of your paper savings bond. This data is not needed, yet is significant for record-keeping purposes if your paper bonds are ever lost or wrecked.

Unless you actually have a paper bond lying around some place, serial numbers are now just a part of history. Bond purchasers today have more prominent adaptability and far superior security with virtual or electronic bonds. On the off chance that you actually have a paper bond you can trade it for an electronic bond with TreasuryDirect’s SmartExchange program. You simply open a TreasuryDirect account and round out a form.

Frequently Asked Questions

Do US savings bonds expire?

The short answer: cash it in. Most savings bonds develop and quit procuring interest following 30 years, and some have more limited development periods. The series of bonds you have should give you a smart thought if the bond has expired. Any bonds given over 30 years back have developed.

How much is a $200 US savings bond worth after 30 years?

Thus, in the event that you have a $200 bond, it was bought for $100. It should arrive at its assumed worth of $200 following 20 or 30 years, contingent upon the kind of bond you have. Savings bonds ordinarily quit gathering interest 30 years after they’re given.

How many years does it take for a US savings bond to mature?

20 years

Are US savings bonds a good investment?

Are Savings Bonds a Good Investment for College? Savings bonds are not the best speculation, in any event, for school. The pace of return is set by the U.S. government and economic situations, and it can take as long as 20 years for the bonds to completely develop to twofold their unique worth. That is a genuinely low pace of return.

How do US saving bonds work?

Savings bonds work by paying a fixed financing cost on the chief paid for the security. Contingent upon the sort of reserve funds security you get, you might be ensured to recover the bond for twofold the sum paid. Investment funds securities might be expense excluded: Series EE and I investment funds securities are not liable to state or nearby duties.

What are US savings bonds good for?

A U.S. savings bond is given by the U.S. Branch of the Treasury and is an obligation security. Bonds are given to assist with financing the getting needs of the public authority. At the point when you buy a savings bond, you are loaning cash to a relative.

How do I purchase a US saving bond?

  • Through the U.S. Treasury Department. You can purchase new Treasury bonds online by visiting Treasury Direct.
  • Through a business. Most online financiers sell Treasury bonds, corporate bonds and city bonds.
  • Through a common asset or an exchange traded fund (ETF).


Premium on your bond is fixed and builds month to month for bonds given in May 2005 and after, and the Treasury accumulates it semiannually. For securities given between May 1997 and April 2005, the premium is added each month and the rate is accumulated semiannually. Interest is added at regular intervals for most bonds given before May 1997.

In spite of the fact that your bond may have arrived at development, it will keep on accruing revenue until 30 years have passed from the date of issue. In case you’re considering changing out a savings bond, check the accumulating date first; in the event that you money out before revenue gathers once more, you’re leaving cash on the table.

Tony Bennett

Tony Bennett

Tony Benett makes his living in the insurance industry by teaching and consulting. He is also recognized by the legal profession as an expert on insurance coverages. His insurance experience includes having worked at the company level, owned an independent general agency and having worked for an insurance association. He has received various certificates over the past few years and helps his clients and readers by giving them a realistic outlook on what they can expect to achieve within their set targets. At Insurance Noon, he is known for his in-depth analysis and attention to details with accuracy. He has been published as one of the most referred agents by his peers in the insurance community. Tony loves the outdoors and most sport events. His passion other than providing excellent advice is playing golf.