These bonds have stopped earning interest. Every Series EE bond issued in 1989 has passed final maturity (from Jan 2019). 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 1989 Series EE bonds
- A $100 bond issued January 1989 is now worth 4.1 times its $50.00 purchase price.
- It stopped earning interest in Jan 2019 and has been frozen at $207.36 since. Every month it stays uncashed earns nothing.
- It first became worth its $100 face value in Jan 2001, 12 years after it was issued.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Jan 2019 |
| February 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Feb 2019 |
| March 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Mar 2019 |
| April 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Apr 2019 |
| May 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | May 2019 |
| June 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Jun 2019 |
| July 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Jul 2019 |
| August 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Aug 2019 |
| September 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Sep 2019 |
| October 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Oct 2019 |
| November 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Nov 2019 |
| December 1989 | $103.68 | $207.36 | $1,036.80 | $2,073.60 | Stopped earning | Dec 2019 |
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 1989 Series EE bonds
How much is a $100 Series EE bond from 1989 worth?
As of October 2026, a $100 Series EE bond issued in 1989 is worth $207.36, depending on the month it was issued. It cost $50.00 new.
Do 1989 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