These bonds are still earning interest until 30 years after issue (Jan 2035 for January 2005 bonds). You can cash them any time, or keep them growing. How to cash a bond
Key facts about 2005 Series I bonds
- A $100 bond issued May 2005 is now worth 2.3 times its $100.00 purchase price.
- Over the past 12 months a $100 January 2005 bond grew from $214.00 to $222.96 (+$8.96, 4.2%).
- It keeps earning for about 8 more years, until Jan 2035.
- Fixed rate (set at purchase, never changes): Jan–Apr 2005: 1.00%; May–Oct 2005: 1.20%; Nov–Dec 2005: 1.00%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Apr: 4.36%; May–Oct: 4.56%; Nov–Dec: 4.36%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 2005 | $111.48 | $222.96 | $1,114.80 | $2,229.60 | Earning | Jan 2035 |
| February 2005 | $111.08 | $222.16 | $1,110.80 | $2,221.60 | Earning | Feb 2035 |
| March 2005 | $110.68 | $221.36 | $1,106.80 | $2,213.60 | Earning | Mar 2035 |
| April 2005 | $110.28 | $220.56 | $1,102.80 | $2,205.60 | Earning | Apr 2035 |
| May 2005 | $114.86 | $229.72 | $1,148.60 | $2,297.20 | Earning | May 2035 |
| June 2005 | $114.42 | $228.84 | $1,144.20 | $2,288.40 | Earning | Jun 2035 |
| July 2005 | $114.00 | $228.00 | $1,140.00 | $2,280.00 | Earning | Jul 2035 |
| August 2005 | $113.58 | $227.16 | $1,135.80 | $2,271.60 | Earning | Aug 2035 |
| September 2005 | $113.14 | $226.28 | $1,131.40 | $2,262.80 | Earning | Sep 2035 |
| October 2005 | $112.72 | $225.44 | $1,127.20 | $2,254.40 | Earning | Oct 2035 |
| November 2005 | $107.78 | $215.56 | $1,077.80 | $2,155.60 | Earning | Nov 2035 |
| December 2005 | $107.40 | $214.80 | $1,074.00 | $2,148.00 | Earning | Dec 2035 |
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 2005 Series I bonds
How much is a $100 Series I bond from 2005 worth?
As of October 2026, a $100 Series I bond issued in 2005 is worth $214.80 to $229.72, depending on the month it was issued. It cost $100.00 new.
What interest rate do 2005 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Apr 2005: 1.00%; May–Oct 2005: 1.20%; Nov–Dec 2005: 1.00%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 2005 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.
All Series I values by year · Found old savings bonds? What to do