Is your savings bond still earning interest?
Series E, EE, I, and HH — earning status, final maturity date, and current rate, from official U.S. Treasury data.
Check a bond
Pick the series and the issue date printed on the front of the bond.
- Every Series E savings bond has stopped earning interest; the last ones matured in June 2010. All are still redeemable (TreasuryDirect).
- All Series HH bonds reached final maturity and stopped earning interest in August 2024 (TreasuryDirect).
- EE and I bonds earn interest for 30 years from their issue date (TreasuryDirect).
- No Series I bond has reached final maturity yet — the first I bonds, issued September 1998, stop earning in September 2028.
- I bonds issued May 1, 2026 to October 31, 2026 earn a composite rate of 4.26%, including a 0.90% fixed rate (Treasury Fiscal Data, cross-checked against TreasuryDirect).
- Treasury reported $35.2 billion in matured, unredeemed savings securities as of — bonds that have stopped earning but were never cashed (MSPD, Table III).
Worked examples
A Series EE bond issued May 1992
Stopped earning interest at final maturity in (30 years from issue). During its original 12-year maturity period it carried a guaranteed rate of 6% per year (TreasuryDirect: EE bonds 1980–1995). It is still redeemable at full value, and its interest became reportable for federal income tax in 2022 even if it was not cashed.
A Series I bond issued January 1999
Still earning interest. Its fixed rate is 3.30%, and for the 6-month rate window that began it earns 6.70% annualized; its next rate takes effect in . It stops earning at final maturity in — 30 years from issue (TreasuryDirect: I bonds).
A Series E bond issued March 1978
Stopped earning interest in — E bonds issued December 1965 through June 1980 earned interest for 30 years (TreasuryDirect: historical bonds). It is still redeemable: banks that cash savings bonds can pay it, or it can be mailed to Treasury with FS Form 1522. A bond dated after June 1980 that looks like an E bond is Series EE.
How final maturity works, by series
| Series | Issued | Earns interest for | Status |
|---|---|---|---|
| Series E | May 1941 – June 1980 | 40 yrs (issued through Nov 1965), then 30 yrs | All matured — last in June 2010 |
| Series EE | January 1980 – present | 30 years | Earning if issued after July 1996 |
| Series I | September 1998 – present | 30 years | All still earning — first matures Sept 2028 |
| Series HH | January 1980 – August 2004 | 20 years | All matured — last in August 2024 |
Sources: TreasuryDirect historical bonds, EE bonds, I bonds, HH bonds. This checker reports earning status and maturity dates; for a paper bond's dollar value, use the official TreasuryDirect Savings Bond Calculator.
Next steps
If the bond has matured: what happens after final maturity and how to cash savings bonds. If you inherited it: inherited savings bonds. Current rates: I bond rates · EE bond maturity timeline.