How much is a $10,000 Series EE savings bond from 1986 worth?
Official Treasury redemption values by issue month, September 2026.
savingsbondcheck.com - $10,000 Series EE savings bond issued 1986 - values as of September 2026 - data: U.S. Treasury
Official Treasury value file data
- A $10,000 Series EE savings bond issued in 1986 is worth $20,736.00 to $23,064.00 as of , depending on the issue month printed on the bond. That is the official U.S. Treasury redemption value - what a bank pays you today.
- It cost $5,000.00 when it was bought (paper EE bonds sold for half of face value). Everything above that is interest: up to $18,064.00 earned so far.
- Matured. This bond stopped earning interest and its value will not increase again. There is no deadline to cash it, but it is losing value to inflation every month it sits.
The 20-year guarantee. (None, None)
Every 1986 issue month
Savings bonds issued in different months of 1986 are worth different amounts, because each month's bond has its own rate history. Match the issue date printed on your bond to the row below.
| Issue month | Value now ($10,000 bond) | Status | Final maturity |
|---|---|---|---|
| January 1986 | $23,064.00 | Matured | January 2016 |
| February 1986 | $23,064.00 | Matured | February 2016 |
| March 1986 | $23,064.00 | Matured | March 2016 |
| April 1986 | $23,064.00 | Matured | April 2016 |
| May 1986 | $23,064.00 | Matured | May 2016 |
| June 1986 | $23,064.00 | Matured | June 2016 |
| July 1986 | $23,064.00 | Matured | July 2016 |
| August 1986 | $23,064.00 | Matured | August 2016 |
| September 1986 | $23,064.00 | Matured | September 2016 |
| October 1986 | $23,064.00 | Matured | October 2016 |
| November 1986 | $20,736.00 | Matured | November 2016 |
| December 1986 | $20,736.00 | Matured | December 2016 |
Other Series EE 1986 denominations: $50 · $75 · $100 · $200 · $500 · $1,000 · $5,000 · $10,000
Source: U.S. Treasury Fiscal Data - Savings Bonds Value Files (v2/accounting/od/sb_value), redemption period 2026-09. Values are published per $25 of face value and scale exactly: a $10,000 bond is 400x the per-$25 figure.
Frequently asked questions
How much is a $10,000 savings bond from 1986 worth?
Between $20,736.00 and $23,064.00 as of September 2026, depending on the issue month printed on the bond. Find the month in the table above for the exact Series EE figure from Treasury's official value file.
What did a $10,000 Series EE bond cost?
$5,000.00.
Is a 1986 Series EE bond still earning interest?
No. Bonds from this year have reached final maturity and stopped earning. They stay redeemable at full value with no deadline.
How do I cash a $10,000 savings bond?
Take the paper bond and photo ID to a bank that redeems savings bonds, or mail it to Treasury with FS Form 1522. See the how-to-cash guide for what banks require and the tax forms.
All 1986 denominations and the full history: Series EE 1986 value table · every year for this denomination: $10,000 savings bond values · check a specific bond · how to cash it.