Key facts about 2003 Series I bonds
- A $100 bond issued January 2003 is now worth 2.7 times its $100.00 purchase price.
- The issue month matters a lot this year: a $100 bond from January is worth $273.00, but one from December only $234.84 (14% less), because bonds issued in different months earn under different interest terms.
- Over the past 12 months a $100 January 2003 bond grew from $260.56 to $273.00 (+$12.44, 4.8%).
- It keeps earning for about 6 more years, until Jan 2033.
- Fixed rate (set at purchase, never changes): Jan–Apr 2003: 1.60%; May–Dec 2003: 1.10%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Apr: 4.97%; May–Dec: 4.46%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 2003 | $136.50 | $273.00 | $1,365.00 | $2,730.00 | Earning | Jan 2033 |
| February 2003 | $135.94 | $271.88 | $1,359.40 | $2,718.80 | Earning | Feb 2033 |
| March 2003 | $135.40 | $270.80 | $1,354.00 | $2,708.00 | Earning | Mar 2033 |
| April 2003 | $134.84 | $269.68 | $1,348.40 | $2,696.80 | Earning | Apr 2033 |
| May 2003 | $120.78 | $241.56 | $1,207.80 | $2,415.60 | Earning | May 2033 |
| June 2003 | $120.34 | $240.68 | $1,203.40 | $2,406.80 | Earning | Jun 2033 |
| July 2003 | $119.90 | $239.80 | $1,199.00 | $2,398.00 | Earning | Jul 2033 |
| August 2003 | $119.46 | $238.92 | $1,194.60 | $2,389.20 | Earning | Aug 2033 |
| September 2003 | $119.02 | $238.04 | $1,190.20 | $2,380.40 | Earning | Sep 2033 |
| October 2003 | $118.58 | $237.16 | $1,185.80 | $2,371.60 | Earning | Oct 2033 |
| November 2003 | $117.84 | $235.68 | $1,178.40 | $2,356.80 | Earning | Nov 2033 |
| December 2003 | $117.42 | $234.84 | $1,174.20 | $2,348.40 | Earning | Dec 2033 |
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 2003 Series I bonds
How much is a $100 Series I bond from 2003 worth?
As of October 2026, a $100 Series I bond issued in 2003 is worth $234.84 to $273.00, depending on the month it was issued. It cost $100.00 new.
Why are some 2003 Series I bonds worth more than others?
Bonds issued in different months of 2003 earn under different interest terms. As of October 2026 a $100 bond from January is worth $273.00 versus $234.84 for December. Always check the exact issue month on your bond.
What interest rate do 2003 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Apr 2003: 1.60%; May–Dec 2003: 1.10%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 2003 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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