When do my Savings Bonds mature?
Thursday, April 27th, 2006
Categorized as: Series HH or H US Savings Bonds • Series E US Savings Bonds • Series EE US Savings Bonds
I invested in Savings Bonds in 1996 and 1997. When do they reach maturity?
Tom's response
It depends on what you mean by maturity.
Final maturity - when they stop earning interest - is 30 years after the issue date for all Series EE and I Savings Bonds, as well as for all Series E bonds that are still earning interest. For Series HH and H Savings Bonds, final maturity comes after 20 years.
Series EE bonds also have an original maturity date - when they will be worth at least double your original investment. Series I, H, and HH bonds are all sold at face value and don't have this feature. All Series E and EE Savings Bonds have already passed their original maturity date except for those listed in the following table:
Series EE Savings Bond original maturity |
|||
| Issue Date | Original term |
Implied interest rate |
|
| Mar 93 - Apr 95 | 18 years | 3.89% | |
| May 95 - May 03 | 17 years | 4.12% | |
| Jun 03 - present | 20 years | 3.50% | |
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My wife, Kazuko Yamaga, was given a $25 US Defense Savings Bond due 10 years from February 1942 by Mr Moshiro Murakami, Walnut Grove, CA. Exactly how does she redeem this bond?
Hi Philip - the information you're looking for is on our page about how to cash in a Savings Bond.
Tom Adams
I have EE bonds issued 5/83. When do they stop earning ingterest?
Bob - as the article on this page notes, all Series EE and I bonds stop paying interest 30 years after issue, so your bonds are good until 5/1/2013.
Tom Adams
I want to invest in savings bonds for my grand daughter, which series would be a better choice for investment and whose name to I put them in
Thank You
Gloria Berglund
Gloria - the information you're looking for is on our page about Savings Bonds as gifts.
Tom Adams
can you cash in a savings bond after 30 years?
Alishia - yes. After a Savings Bond is one year old you can redeem it. There is no maximum time. You can hold it longer than 30 years and then cash it, but it's a financial mistake to do that. From a financial perspective, you should cash a Savings Bond when it stops earning interest and invest in a new Savings Bond.
Tom Adams
I have several Series E US Savings bonds purchased in 1979. Are these bonds still earning interest? If so at what rate?
I also have several Series EE US Savings bonds purchased 1991 and 1992. At what rate are these bonds earning interest?
Hi Jean - Your Savings Bonds will earn interest for 30 years, so the 1979 bonds will stop paying interest in 2009. You can use the Savings Bond Calculator on this page (upper right) to find out the interest rate and redemption value of your bonds.
Tom Adams
Hi, I purchased series EE bonds in December 1994 and would like to know when it reaches face value so that I can cash it in.
Thanks,
Nancy
Hi Nancy-Angela - There's nothing special about the day your bond reaches face value. It stops earning interest after 30 years - in Dec 2024. You can cash it now or anytime between now and then. You don't even have to cash it then, but it's a mistake not to.
However, if you really want to do it on the day the bond reaches face value, as the chart above shows, bonds issued in 1994 take 18 years to reach face value, so that will be Dec 2012.
Tom Adams