These bonds are still earning interest until 30 years after issue (Jan 2050 for January 2020 bonds). You can cash them any time, or keep them growing. How to cash a bond
Key facts about 2020 Series I bonds
- A $100 bond issued January 2020 is now worth 1.3 times its $100.00 purchase price.
- Over the past 12 months a $100 January 2020 bond grew from $126.40 to $130.64 (+$4.24, 3.4%).
- It keeps earning for about 23 more years, until Jan 2050.
- Fixed rate (set at purchase, never changes): Jan–Apr 2020: 0.20%; May–Dec 2020: 0.00%.
- Composite rate in the 6-month period starting May 2026 (by issue month): Jan–Apr: 3.54%; May–Dec: 3.34%.
Value by issue month
| Issue month | $50 bond | $100 bond | $500 bond | $1,000 bond | Status | Final maturity |
|---|---|---|---|---|---|---|
| January 2020 | $65.32 | $130.64 | $653.20 | $1,306.40 | Earning | Jan 2050 |
| February 2020 | $65.12 | $130.24 | $651.20 | $1,302.40 | Earning | Feb 2050 |
| March 2020 | $64.92 | $129.84 | $649.20 | $1,298.40 | Earning | Mar 2050 |
| April 2020 | $64.74 | $129.48 | $647.40 | $1,294.80 | Earning | Apr 2050 |
| May 2020 | $64.14 | $128.28 | $641.40 | $1,282.80 | Earning | May 2050 |
| June 2020 | $63.96 | $127.92 | $639.60 | $1,279.20 | Earning | Jun 2050 |
| July 2020 | $63.78 | $127.56 | $637.80 | $1,275.60 | Earning | Jul 2050 |
| August 2020 | $63.62 | $127.24 | $636.20 | $1,272.40 | Earning | Aug 2050 |
| September 2020 | $63.44 | $126.88 | $634.40 | $1,268.80 | Earning | Sep 2050 |
| October 2020 | $63.26 | $126.52 | $632.60 | $1,265.20 | Earning | Oct 2050 |
| November 2020 | $63.82 | $127.64 | $638.20 | $1,276.40 | Earning | Nov 2050 |
| December 2020 | $63.64 | $127.28 | $636.40 | $1,272.80 | Earning | Dec 2050 |
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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Value your 2020 bond
How the value has grown
Questions about 2020 Series I bonds
How much is a $100 Series I bond from 2020 worth?
As of October 2026, a $100 Series I bond issued in 2020 is worth $126.52 to $130.64, depending on the month it was issued. It cost $100.00 new.
What interest rate do 2020 I bonds earn?
Each I bond keeps the fixed rate it was issued with (Jan–Apr 2020: 0.20%; May–Dec 2020: 0.00%) plus the current inflation rate, which resets every six months. Source: U.S. Treasury Fiscal Data.
Do 2020 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