Why are bonds from different months worth exactly the same amount?

Wednesday, August 30th, 2006
Categorized as: Current value of a US Savings Bond

Your Savings Bond Calculator shows that my EE bonds from June and July 1990 have earned exactly the same amount of interest. How can that be? Have they stopped earning interest?

Tom’s response

For Savings Bonds issued before May 1997, interest is added to the value of the bond every six months, beginning with the month of issue.

This means that bonds of this vintage issued in June and July will always be worth the same thing except in June and December, when the June bond will be worth more because of an additional interest payment.

Rate this post (1 to 5 stars):  1 Star2 Stars3 Stars4 Stars5 Stars
(Average rating: 3.33 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:

No comments yet.

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 Savings-Bond-Advisor.com. 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