These bonds are still earning interest until 30 years after issue (Jan 2046 for January 2016 bonds). You can cash them any time, or keep them growing. How to cash a bond
Key facts about 2016 Series I bonds
- A $100 bond issued January 2016 is now worth 1.4 times its $100.00 purchase price.
- Over the past 12 months a $100 January 2016 bond grew from $135.72 to $140.12 (+$4.40, 3.2%).
- It keeps earning for about 19 more years, until Jan 2046.
- Fixed rate (set at purchase, never changes): Jan–Oct 2016: 0.10%; Nov–Dec 2016: 0.00%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Oct: 3.44%; Nov–Dec: 3.34%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 2016 | $70.06 | $140.12 | $700.60 | $1,401.20 | Earning | Jan 2046 |
| February 2016 | $69.86 | $139.72 | $698.60 | $1,397.20 | Earning | Feb 2046 |
| March 2016 | $69.66 | $139.32 | $696.60 | $1,393.20 | Earning | Mar 2046 |
| April 2016 | $69.46 | $138.92 | $694.60 | $1,389.20 | Earning | Apr 2046 |
| May 2016 | $69.92 | $139.84 | $699.20 | $1,398.40 | Earning | May 2046 |
| June 2016 | $69.72 | $139.44 | $697.20 | $1,394.40 | Earning | Jun 2046 |
| July 2016 | $69.54 | $139.08 | $695.40 | $1,390.80 | Earning | Jul 2046 |
| August 2016 | $69.34 | $138.68 | $693.40 | $1,386.80 | Earning | Aug 2046 |
| September 2016 | $69.14 | $138.28 | $691.40 | $1,382.80 | Earning | Sep 2046 |
| October 2016 | $68.94 | $137.88 | $689.40 | $1,378.80 | Earning | Oct 2046 |
| November 2016 | $69.16 | $138.32 | $691.60 | $1,383.20 | Earning | Nov 2046 |
| December 2016 | $68.98 | $137.96 | $689.80 | $1,379.60 | Earning | Dec 2046 |
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.
Check your exact bond
Value your 2016 bond
How the value has grown
Questions about 2016 Series I bonds
How much is a $100 Series I bond from 2016 worth?
As of October 2026, a $100 Series I bond issued in 2016 is worth $137.88 to $140.12, depending on the month it was issued. It cost $100.00 new.
What interest rate do 2016 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Oct 2016: 0.10%; Nov–Dec 2016: 0.00%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 2016 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