Collecting Interest or Collecting Dust?

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Do you have savings bonds that have matured and stopped earning interest? Because of inflation, if they are no longer earning interest, they are essentially losing money. It’s time to cash them in, or reinvest them, and have your money start working for you again.

Savings bonds matureIt’s important to check your savings bonds periodically to determine if they’re still earning interest, and if they’re not, they should be redeemed.

Savings bonds issued by the U.S. Treasury Department earn interest for varying lengths of time depending on the series and date of issuance. Use the tables below to determine whether your bonds have stopped earning interest, or for how long you can expect them to earn interest.

The following savings bonds no longer earn interest:

SERIES ISSUE DATE
E May 1941 through May 1980
EE January 1980 through May 1980
H All issues
HH January 1980 through May 1990
Savings Notes All issues
A, B, C, D, F, G, J, K All issues

How long bonds earn interest based on issue date:

SERIES ISSUE DATE NUMBER OF YEARS BONDS EARN INTEREST
E May 1941- November 1965 40 years
December 1965 – June 1980 30 years
EE All issues 30 years
H June 1952- January 1957 29 years, 8 months
February 1957- December 1979 30 years
HH All issues 20 years
I All issues 30 years
Savings Notes All issues 30 years

Find out what your bonds are worth with the treasury department’s online calculator. The calculator will price Series EE, E, I bonds, and Savings Notes. Features include current interest rate, next accrual date, final maturity date, and year-to-date interest earned.

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