These bonds have stopped earning interest. Every Series EE bond issued in 1995 has passed final maturity (from Jan 2025). 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 1995 Series EE bonds
- A $100 bond issued January 1995 is now worth 3.3 times its $50.00 purchase price.
- The issue month matters a lot this year: a $100 bond from January is worth $164.12, but one from May only $123.56 (25% less), because bonds issued in different months earn under different interest terms.
- It stopped earning interest in Jan 2025 and has been frozen at $164.12 since. Every month it stays uncashed earns nothing.
- It first became worth its $100 face value in Jul 2012, 17 years after it was issued.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 1995 | $82.06 | $164.12 | $820.60 | $1,641.20 | Stopped earning | Jan 2025 |
| February 1995 | $82.06 | $164.12 | $820.60 | $1,641.20 | Stopped earning | Feb 2025 |
| March 1995 | $82.06 | $164.12 | $820.60 | $1,641.20 | Stopped earning | Mar 2025 |
| April 1995 | $82.06 | $164.12 | $820.60 | $1,641.20 | Stopped earning | Apr 2025 |
| May 1995 | $61.78 | $123.56 | $617.80 | $1,235.60 | Stopped earning | May 2025 |
| June 1995 | $61.78 | $123.56 | $617.80 | $1,235.60 | Stopped earning | Jun 2025 |
| July 1995 | $61.78 | $123.56 | $617.80 | $1,235.60 | Stopped earning | Jul 2025 |
| August 1995 | $61.78 | $123.56 | $617.80 | $1,235.60 | Stopped earning | Aug 2025 |
| September 1995 | $61.78 | $123.56 | $617.80 | $1,235.60 | Stopped earning | Sep 2025 |
| October 1995 | $61.78 | $123.56 | $617.80 | $1,235.60 | Stopped earning | Oct 2025 |
| November 1995 | $62.62 | $125.24 | $626.20 | $1,252.40 | Stopped earning | Nov 2025 |
| December 1995 | $62.62 | $125.24 | $626.20 | $1,252.40 | Stopped earning | Dec 2025 |
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 1995 Series EE bonds
How much is a $100 Series EE bond from 1995 worth?
As of October 2026, a $100 Series EE bond issued in 1995 is worth $123.56 to $164.12, depending on the month it was issued. It cost $50.00 new.
Why are some 1995 Series EE bonds worth more than others?
Bonds issued in different months of 1995 earn under different interest terms. As of October 2026 a $100 bond from January is worth $164.12 versus $123.56 for May. Always check the exact issue month on your bond.
Do 1995 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