These bonds have stopped earning interest. Every Series EE bond issued in 1986 has passed final maturity (from Jan 2016). 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 1986 Series EE bonds
- A $100 bond issued January 1986 is now worth 4.6 times its $50.00 purchase price.
- The issue month matters a lot this year: a $100 bond from January is worth $230.64, but one from November only $207.36 (10% less), because bonds issued in different months earn under different interest terms.
- It stopped earning interest in Jan 2016 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 1995, 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 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Jan 2016 |
| February 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Feb 2016 |
| March 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Mar 2016 |
| April 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Apr 2016 |
| May 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | May 2016 |
| June 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Jun 2016 |
| July 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Jul 2016 |
| August 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Aug 2016 |
| September 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Sep 2016 |
| October 1986 | $115.32 | $230.64 | $1,153.20 | $2,306.40 | Stopped earning | Oct 2016 |
| November 1986 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Nov 2016 |
| December 1986 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Dec 2016 |
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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How the value has grown
Questions about 1986 Series EE bonds
How much is a $100 Series EE bond from 1986 worth?
As of October 2026, a $100 Series EE bond issued in 1986 is worth $207.36 to $230.64, depending on the month it was issued. It cost $50.00 new.
Why are some 1986 Series EE bonds worth more than others?
Bonds issued in different months of 1986 earn under different interest terms. As of October 2026 a $100 bond from January is worth $230.64 versus $207.36 for November. Always check the exact issue month on your bond.
Do 1986 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