These bonds are still earning interest until 30 years after issue (Jan 2029 for January 1999 bonds). You can cash them any time, or keep them growing. How to cash a bond
Key facts about 1999 Series I bonds
- A $100 bond issued January 1999 is now worth 5.1 times its $100.00 purchase price.
- Over the past 12 months a $100 January 1999 bond grew from $476.16 to $507.40 (+$31.24, 6.6%).
- It keeps earning for about 2 more years, until Jan 2029.
- Fixed rate (set at purchase, never changes): Jan–Oct 1999: 3.30%; Nov–Dec 1999: 3.40%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Oct: 6.70%; Nov–Dec: 6.80%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 1999 | $253.70 | $507.40 | $2,537.00 | $5,074.00 | Earning | Jan 2029 |
| February 1999 | $252.32 | $504.64 | $2,523.20 | $5,046.40 | Earning | Feb 2029 |
| March 1999 | $250.94 | $501.88 | $2,509.40 | $5,018.80 | Earning | Mar 2029 |
| April 1999 | $249.56 | $499.12 | $2,495.60 | $4,991.20 | Earning | Apr 2029 |
| May 1999 | $250.10 | $500.20 | $2,501.00 | $5,002.00 | Earning | May 2029 |
| June 1999 | $248.72 | $497.44 | $2,487.20 | $4,974.40 | Earning | Jun 2029 |
| July 1999 | $247.36 | $494.72 | $2,473.60 | $4,947.20 | Earning | Jul 2029 |
| August 1999 | $246.00 | $492.00 | $2,460.00 | $4,920.00 | Earning | Aug 2029 |
| September 1999 | $244.66 | $489.32 | $2,446.60 | $4,893.20 | Earning | Sep 2029 |
| October 1999 | $243.32 | $486.64 | $2,433.20 | $4,866.40 | Earning | Oct 2029 |
| November 1999 | $250.10 | $500.20 | $2,501.00 | $5,002.00 | Earning | Nov 2029 |
| December 1999 | $248.70 | $497.40 | $2,487.00 | $4,974.00 | Earning | Dec 2029 |
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 1999 Series I bonds
How much is a $100 Series I bond from 1999 worth?
As of October 2026, a $100 Series I bond issued in 1999 is worth $486.64 to $507.40, depending on the month it was issued. It cost $100.00 new.
What interest rate do 1999 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Oct 1999: 3.30%; Nov–Dec 1999: 3.40%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 1999 Series I bonds still earn interest?
Yes. They earn interest for 30 years from the issue date.
Is the value before tax?
Yes. Savings bond interest is subject to federal income tax but not state or local income tax.
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