EE bond maturity

When Series EE bonds double, when they stop earning, and the status of every issue year since 1980.

• Every Series EE bond earns interest for 30 years from its issue date, then stops (TreasuryDirect).
• EE bonds issued before September 1996 have reached final maturity and no longer earn interest.
• EE bonds issued May 1997 through May 2003 are guaranteed to double by 17 years; bonds issued June 2003 and later are guaranteed to double at 20 years (TreasuryDirect, TreasuryDirect).
• New EE bonds (May 1, 2026 to October 31, 2026) earn a fixed 2.40% (TreasuryDirect, retrieved at build time).

Key dates by issue era

EE bonds have two milestones: an original maturity (when the guaranteed growth is reached - for older bonds, when the bond hit face value) and final maturity at 30 years, when interest stops for good.

The life of a modern EE bond

An EE bond issued May 2006, for example: it could not be cashed for 12 months, carried a 3-month interest penalty until 5 years, was guaranteed to double at 20 years (May 2026), and stops earning at 30 (May 2036):

Status by issue year

A bond stops earning exactly 30 years from its issue month - use the checker for the precise month, or open the year's value table for dollar values. Download: ee-bond-final-maturity.csv

After final maturity

A matured EE bond is still redeemable at full value, but it earns nothing by waiting, and its accumulated interest becomes reportable for federal income tax in the year of final maturity or redemption, whichever comes first. See matured savings bonds and how to cash savings bonds. Inherited one? Your options.