Key facts about 2009 Series I bonds
- A $100 bond issued January 2009 is now worth 1.8 times its $100.00 purchase price.
- The issue month matters a lot this year: a $100 bond from January is worth $178.84, but one from October only $156.60 (12% less), because bonds issued in different months earn under different interest terms.
- Over the past 12 months a $100 January 2009 bond grew from $172.20 to $178.84 (+$6.64, 3.9%).
- It keeps earning for about 12 more years, until Jan 2039.
- Fixed rate (set at purchase, never changes): Jan–Apr 2009: 0.70%; May–Oct 2009: 0.10%; Nov–Dec 2009: 0.30%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Apr: 4.05%; May–Oct: 3.44%; Nov–Dec: 3.65%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 2009 | $89.42 | $178.84 | $894.20 | $1,788.40 | Earning | Jan 2039 |
| February 2009 | $89.12 | $178.24 | $891.20 | $1,782.40 | Earning | Feb 2039 |
| March 2009 | $88.82 | $177.64 | $888.20 | $1,776.40 | Earning | Mar 2039 |
| April 2009 | $88.52 | $177.04 | $885.20 | $1,770.40 | Earning | Apr 2039 |
| May 2009 | $79.42 | $158.84 | $794.20 | $1,588.40 | Earning | May 2039 |
| June 2009 | $79.20 | $158.40 | $792.00 | $1,584.00 | Earning | Jun 2039 |
| July 2009 | $78.98 | $157.96 | $789.80 | $1,579.60 | Earning | Jul 2039 |
| August 2009 | $78.74 | $157.48 | $787.40 | $1,574.80 | Earning | Aug 2039 |
| September 2009 | $78.52 | $157.04 | $785.20 | $1,570.40 | Earning | Sep 2039 |
| October 2009 | $78.30 | $156.60 | $783.00 | $1,566.00 | Earning | Oct 2039 |
| November 2009 | $81.90 | $163.80 | $819.00 | $1,638.00 | Earning | Nov 2039 |
| December 2009 | $81.66 | $163.32 | $816.60 | $1,633.20 | Earning | Dec 2039 |
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 2009 Series I bonds
How much is a $100 Series I bond from 2009 worth?
As of October 2026, a $100 Series I bond issued in 2009 is worth $156.60 to $178.84, depending on the month it was issued. It cost $100.00 new.
Why are some 2009 Series I bonds worth more than others?
Bonds issued in different months of 2009 earn under different interest terms. As of October 2026 a $100 bond from January is worth $178.84 versus $156.60 for October. Always check the exact issue month on your bond.
What interest rate do 2009 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Apr 2009: 0.70%; May–Oct 2009: 0.10%; Nov–Dec 2009: 0.30%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 2009 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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