How much are my Savings Bonds worth?

Friday, July 30th, 2004
Categorized as: Cashing in US Savings Bonds

I have many Series EE bonds I’d like to cash in, but I would like to know the dollar amount I’d be receiving before I take them to the bank. Is there a web site that would allow me to do this myself?

Tom’s response

You can use our Savings Bond Calculator to find out the current value of your Savings Bonds. Our calculator shows redemption values, which means if you have any Savings Bonds less than five years old, the early-redemption penalty has already been deducted from the value we give you.

Rate this post (1 to 5 stars):  1 Star2 Stars3 Stars4 Stars5 Stars
(Average rating: 3.13 stars)

FDIC Insured Certificates of Deposit can pay 1 or 2% more than savings bonds when held for a similar length of time. See top CD Rates Below:


On October 10th, 2008 George Zilbergeld said:

Could you tell me the name of some PEOPLE I could pay to calculate the worth of my bonds? I know there are calulators but I need to talk to a person.

On October 13th, 2008 Tom Adams said:

George – any competent financial advisor can do this for you. (Even the incompetent ones can typically do something as simple as this.) Look for an advisor who is “fee-only” – this means they charge you a fee rather than making their money by commissions from the stuff they sell you.

Tom Adams

On November 3rd, 2008 Elizabeth Riley said:

I would like a listing of the worth of my Savings Bonds from 1978 through the year 2000. I have 40 bonds. Can you give me this on the internet so I can print it?

On November 3rd, 2008 Tom Adams said:

Hi Elizabeth – I’m sorry, I don’t have anything like that. I recommend you take a look at this, this, and this.

Tom Adams

On November 20th, 2008 Jean Woodard said:

I misplaced 15 bonds in 1995 (issued Jun. 94 thru Aug. 95) and I would like to have them replaced but don’t know how to do this. Any advice? thank you

On November 21st, 2008 Tom Adams said:

Jean – the info you’re looking for is here.

Tom Adams

On August 25th, 2009 Charles Bieser said:

Found a $25 War Savings Bond, Series E issued jointly to my deceased grandmother and me in February, 1944. The bond calculator indicates the value is only $105.09. Could the value really be so low? Might it be worth more as a collectible?

On August 25th, 2009 Tom Adams said:

Charles – E bonds were issued at 75% of face value and paid interest for 40 years. So your grandmother paid $18.75 for the bond. Over the 40 years the bond paid interest, that amount was increased by more than 5.6 times. Seems like a pretty good return to me.

On the other hand, the bond has represented an interest-free loan to the government since 1984, which is 25 years ago. Had someone cashed this bond when it stopped paying interest in Feb 1984 and invested the $100 in a new EE bond, it would now be worth $389.20 – more than 20 times the original investment.

In any case, the bond has little to no value as a collectible in a legitimate transaction.

Tom Adams

On September 27th, 2009 Sandy B. said:

My kids have several series EE bonds which were given as gifts. Is this info right – mature in 20 years but continue with interest earning for 30 years??? If they are now mature (meaning issued 20 years prior) is it best to cash them in??

On September 28th, 2009 Tom Adams said:

Sandy – new bonds issued today reach face value – which is what I think you mean by “mature” – in 20 years, but older bonds didn’t take that long. It depends on when the bond was issued. It’s true that they pay interest for 30 years.

You should cash them when you need the money or they stop paying interest, whichever comes first.

Tom Adams

On October 23rd, 2009 John Holmes said:

I have some Thirty year old U.S. bond stamp books. I would like to know the value of them and where could they be cashed.

On October 23rd, 2009 Tom Adams said:

John – the info you’re looking for is here.

Tom Adams

On October 25th, 2009 Dwain Struve said:

Used your Savings Bonds Calculator to obtain current value of Series EE bonds. “Current Rate Now” on table indicates 4% on bonds issued prior to Feb.1993 and drops to 1.52% after? I thought EE bonds matured in 20 years at fixed rates?

On October 26th, 2009 Tom Adams said:

Dwain – 30 years, not 20 years. And EE bonds issued before May 2005 pay market-based rates, not fixed rates. More details.

Tom Adams

On October 27th, 2009 John Holmes said:

I have Thirty five year old Saving stamps. Where do I go to get the value of them.

On October 28th, 2009 Tom Adams said:

John – I’ve already answered your question on Oct 23. Count up four comments before this one.

Tom Adams

On April 12th, 2010 Marilyn Walker said:

I am the last survivor of my family. I found a fifty dollar seried E bond purchased in 1944 issued to my deceased aunt in her married name before she was divorced. There are no other relatives or claims on the estate. I was the executor of my mother’s estate where I came across the bond. My mother had been the esecutor of my aunts estate. Is the bond still good and if so what must I do to redeem it?

On April 13th, 2010 Tom Adams said:

Marilyn – the bond is still good. You just have to prove that you’re the heir. Depending on how your aunt’s estate was handled, you may find this form helpful.

Tom Adams

On May 22nd, 2010 Lori Parent said:

I have a quick question. My deceased Grandmother purchased 2 EE bonds for me. I do not have the actual bonds themselves, but copies of them along with my signature. Can I still cash them in? They were purchased on November 1988!!

On May 24th, 2010 Tom Adams said:

Lori – No, you can’t cash copies. But if they are lost you can get them replaced. There’s more info here.

Tom Adams

Comments Closed

June 1, 2010

After six years, over 400 posts, 3,680 real comments, and over 90,000 spam comments (thank you, Akismet, for making managing a blog with comments possible), I am closing public comments on I will contine to update the main articles on this site, but not the comments.

Virtually every question about Savings Bonds has been asked and answered on this site multiple times. Use the search feature (see the box in the gray area near the top of this page) or the detailed menu on the lower part of the home page to find the information you're looking for. If you have a copy of Savings Bond Advisor, you can ask me a question here.

Tom Adams

Savings Bond Calculator


Savings Bond

Get an answer to your questions from the Treasury's Savings Bonds team.

Click below to ask a question.

Ask the Treasury


Invest online in Savings Bonds or
marketable Treasury securities.

Deal directly with the U.S. Treasury.

More info


Log in