Bonds that no longer earn interest
| Bond | Issued | Earns interest for | Status |
|---|---|---|---|
| Series EE | January 1980 – Oct 1996 | 30 years | Stopped earning |
| Series E | May 1941 – November 1965 | 40 years | Stopped earning |
| Series E | December 1965 – June 1980 | 30 years | Stopped earning |
| Savings Notes | May 1967 – October 1970 | 30 years | Stopped earning |
| Series HH | All | 20 years | All matured by August 2024 |
| Series A, B, C, D, F, G, H, J, K | All | – | Stopped earning |
Series EE bonds issued after Oct 1996 and all Series I bonds are still earning. The first I bonds (September 1998) mature in September 2028.
Bonds maturing next
| Series | If issued | Stops earning |
|---|---|---|
| Series EE | Nov 1996 – Apr 1997 | Nov 2026 – Apr 2027 |
| Series EE | May 1997 – Oct 1997 | May 2027 – Oct 2027 |
| Series EE | Nov 1997 – Apr 1998 | Nov 2027 – Apr 2028 |
| Series EE | May 1998 – Oct 1998 | May 2028 – Oct 2028 |
| Series I | Sep 1998 – Oct 1998 | Sep 2028 – Oct 2028 |
What to do with a matured bond
- Check its value in the calculator. It keeps the value it reached at final maturity.
- Cash it at your bank or by mail with FS Form 1522. See how to cash savings bonds.
- Sort out the tax. If you deferred reporting, the interest was taxable for the year the bond matured. See savings bond taxes.
Electronic bonds in TreasuryDirect are paid automatically when they mature. Paper bonds are not: someone has to cash them.
Source: TreasuryDirect, Cashing old bonds from other series. Final-maturity rules match TreasuryDirect's calculator.
Common questions
Does a matured savings bond lose value?
No. It keeps the value it reached at final maturity. It simply stops growing.
When do Series EE bonds stop earning?
30 years after the issue date. As of October 2026, EE bonds issued through Oct 1996 have stopped earning.
Do E bonds still earn interest?
No. Every Series E bond has stopped earning. Bonds issued May 1941 through November 1965 earned for 40 years; later ones earned for 30 years.
Check your bonds: use the savings bond calculator to see each bond's value and whether it still earns interest.