US Savings Bonds Maturity

US Savings Bonds Maturity

When Can You Cash Them In? Are They Still Paying Interest?

What is the the maturity date of the US Savings bonds? The answer is 3 fold.

1) You can cash in a US savings bonds without penalty after 5 years. If you define a saving bonds maturity as the point where you no longer have to penalties to cash in the bond, then 5 years is  the maturity date.

2) With EE bonds, something magicial happens on the “maturity date” (which is 20 years after purchase). If you define a US savings bonds maturity as when  you can gain the most economic value from redeeming the bonds, then its 20 years after purchase for EE bonds.

3) There is something called the “final maturity date” at which point, saving bonds stop paying interest. We want avoid this which occurs 30 years after the purchase of the savings bonds.

  To see a list of high yielding CDs go here.  

Interest on savings bonds can provide you with an income – but only until the bonds stop paying interest. Savings bonds are issued with original terms to maturity, and then may automatically enter one or more extension periods, during which they will continue to pay interest. However, many people lose track of when such interest payments will really stop. When that happens, you’re no longer just losing income, but inflation is also eroding the redemption value of your bonds.

Savings bonds that have stopped paying interest

The U.S. Treasury provides information on savings bonds it issued that no longer pay out interest.

The following saving bond series have stopped paying interest:

All issues of A, B, C, D, E, F, G, H, J and K bonds

All issues of Savings Notes (Freedom Shares)

Depending on the issue date, the following bond series may have stopped paying interest:

EE Series savings bonds issued through November 1981 based on the date this article was published of 11/1/2011 (EE bonds have a 30 Year Maturity Term. If the current date was July 2018, EE Series bonds issued through July 1988 would have stopped paying interest.)

HH Series Saving Bonds  issued through November 1991 based on the date this article was published 11/1/2011 (HH bonds have a 20 Year Maturity Term. If the current date was July 2018, HH Series bonds issued through July 1998 would have stopped paying interest. New issues of HH serues saving bonds were discontinued as August 2004. )

When will I Saving Bonds stop paying interest?

All I series bonds are paying interest at the time this article is being published. I Series Bonds were first issued in 1998 and will pay interest for 30 years after maturity. An I bond Issued 1998 would stop paying interest in 2028.

Online aids for you to find the value of your bonds

The U.S. Treasury provides other useful information such as the length of time each type of bond pays out interest, and an online query tool called “Treasury Hunt” to help you determine if you own any bonds that have matured. On the U.S. Treasury website, there’s also a “Savings Bond Wizard” to tell you the value of your bond, how much of that value is interest income, and what the yield of the bond was over its period to maturity. If the bond has not yet matured, you’ll also see its current yield.

This lesson is part of our Free Guide to Buying Savings Bonds.  Continue to the next lesson here.
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  1. Richard L Snyder says

    Where is the petition to bring back paper savings bonds? Eliminating them and offering an almost unusealbe web site is one of the dumbest things this gov’t has done. The beauty of these bonds was the paper, for presenting as gifts and teaching the younger generation about long term savings. A gov’t that is penny wise and pound foolish is leading the nation, especially the younger generations in the wrong direction.

  2. Katherine Peterson says

    My savings bonds were stolen in May and I found one of them. I repkrted to the US Treasures and they sent me a letter stating that they could only find dates going back as fare as 1990. Pluse they don’t have any solely in my name or any of them in my one sonns name. I bought them starting I 1984 and they say they don’t have any that far back. Can they be trying to get out of payi g me?

    • David Waring says

      Hi Katherine,

      Have you tried using They say they have data from 1980 onward. Hope that helps let us know if you have any other questions.

      Best Regards,

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