How long before savings bonds mature

One of the principal reasons for buying EE savings bonds is the fact that interest can build up without having to currently report or pay tax on it. When the bonds reach final maturity, they stop earning interest. Series EE bonds issued in January reached final maturity after 30 years, in January That means that not only have they stopped earning interest, but all of the accrued and as yet untaxed interest is taxable in If you own Series EE bonds paper or electronic , check the issue dates.

If they have stopped earning interest, you probably want to redeem them and put the money into something more lucrative. Contact us if you have any questions about the taxability of savings bonds, including Series HH and Series I. Toggle navigation January 7, Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

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The information on this site does not modify any insurance policy terms in any way. One of the popular vehicles is the Series EE bond, which is a savings bond that pays a fixed rate of interest until maturity. Savings bonds offer you a way to earn a little extra on your cash, thanks to the power of compounding returns. When you choose Series EE bonds, you have the opportunity to double your investment if you hold them for 20 years. The maturity dates for Series EE bonds depend on when they were issued.

The maturity date is the point at which the U. As long as you cash in your bond at the maturity date, you can guarantee your investment will be double. The Treasury Department makes an adjustment to the interest earnings if needed.

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Do you have savings bonds or marketable Treasury securities that have matured and stopped earning interest? If so, this may be a good time to cash them and use that money for a project or a financial need or put your money back to work for you again in a new investment.

Note: Not sure if you have an older bond that's stopped earning interest? Use our Treasury Hunt search engine to see if any bonds are listed in the database. If you have your bonds in hand, follow the information below. Treasury Hunt is updated monthly.