These bonds have stopped earning interest. Every Series EE bond issued in 1985 has passed final maturity (from Jan 2015). Holding them longer adds nothing, so most owners cash them. If you haven't reported the interest yet, it was taxable for the year the bond matured. How to cash them · Taxes
Key facts about 1985 Series EE bonds
- A $100 bond issued January 1985 is now worth 4.6 times its $50.00 purchase price.
- It stopped earning interest in Jan 2015 and has been frozen at $230.64 since. Every month it stays uncashed earns nothing.
- It first became worth its $100 face value in Jul 1994, 9 years after it was issued.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Jan 2015 |
| February 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Feb 2015 |
| March 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Mar 2015 |
| April 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Apr 2015 |
| May 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | May 2015 |
| June 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Jun 2015 |
| July 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Jul 2015 |
| August 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Aug 2015 |
| September 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Sep 2015 |
| October 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Oct 2015 |
| November 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Nov 2015 |
| December 1985 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Dec 2015 |
Values as of October 2026. Other face values are proportional: a $200 bond is worth twice the $100 value. Click a month to open it in the calculator.
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Questions about 1985 Series EE bonds
How much is a $100 Series EE bond from 1985 worth?
As of October 2026, a $100 Series EE bond issued in 1985 is worth $230.64, depending on the month it was issued. It cost $50.00 new.
Do 1985 Series EE bonds still earn interest?
No. They have all reached final maturity and stopped earning interest.
Is the value before tax?
Yes. Savings bond interest is subject to federal income tax but not state or local income tax.
All Series EE values by year · Found old savings bonds? What to do