$100 EE examples by issue year
| Year | Issue date | Format / amount | Value | Status |
|---|---|---|---|---|
| 2026 | 2026-01 | $100 electronic investment | $101.28 | Not yet redeemable |
| 2025 | 2025-01 | $100 electronic investment | $103.92 | Earning interest |
| 2024 | 2024-01 | $100 electronic investment | $106.96 | Earning interest |
| 2023 | 2023-01 | $100 electronic investment | $107.60 | Earning interest |
| 2022 | 2022-01 | $100 electronic investment | $100.72 | Earning interest |
| 2021 | 2021-01 | $100 electronic investment | $100.88 | Earning interest |
| 2020 | 2020-01 | $100 electronic investment | $101.04 | Earning interest |
| 2019 | 2019-01 | $100 electronic investment | $101.20 | Earning interest |
| 2018 | 2018-01 | $100 electronic investment | $101.36 | Earning interest |
| 2017 | 2017-01 | $100 electronic investment | $101.52 | Earning interest |
| 2016 | 2016-01 | $100 electronic investment | $101.68 | Earning interest |
| 2015 | 2015-01 | $100 electronic investment | $101.84 | Earning interest |
| 2014 | 2014-01 | $100 electronic investment | $102.00 | Earning interest |
| 2013 | 2013-01 | $100 electronic investment | $102.24 | Earning interest |
| 2012 | 2012-01 | $100 electronic investment | $109.44 | Earning interest |
| 2011 | 2011-01 | $100 paper denomination | $55.04 | Earning interest |
| 2010 | 2010-01 | $100 paper denomination | $61.24 | Earning interest |
| 2009 | 2009-01 | $100 paper denomination | $62.88 | Earning interest |
| 2008 | 2008-01 | $100 paper denomination | $87.40 | Earning interest |
| 2007 | 2007-01 | $100 paper denomination | $101.16 | Earning interest |
| 2006 | 2006-01 | $100 paper denomination | $102.40 | Earning interest |
| 2005 | 2005-01 | $100 paper denomination | $106.40 | Earning interest |
| 2004 | 2004-01 | $100 paper denomination | $110.48 | Earning interest |
| 2003 | 2003-01 | $100 paper denomination | $117.48 | Earning interest |
| 2002 | 2002-01 | $100 paper denomination | $120.32 | Earning interest |
| 2001 | 2001-01 | $100 paper denomination | $122.60 | Earning interest |
| 2000 | 2000-01 | $100 paper denomination | $124.28 | Earning interest |
| 1999 | 1999-01 | $100 paper denomination | $125.88 | Earning interest |
| 1998 | 1998-01 | $100 paper denomination | $127.92 | Earning interest |
| 1997 | 1997-01 | $100 paper denomination | $126.60 | Earning interest |
| 1996 | 1996-01 | $100 paper denomination | $125.24 | Stopped earning |
| 1995 | 1995-01 | $100 paper denomination | $164.12 | Stopped earning |
| 1994 | 1994-01 | $100 paper denomination | $164.12 | Stopped earning |
| 1993 | 1993-01 | $100 paper denomination | $207.36 | Stopped earning |
| 1992 | 1992-01 | $100 paper denomination | $207.36 | Stopped earning |
| 1991 | 1991-01 | $100 paper denomination | $207.36 | Stopped earning |
| 1990 | 1990-01 | $100 paper denomination | $207.36 | Stopped earning |
| 1989 | 1989-01 | $100 paper denomination | $207.36 | Stopped earning |
| 1988 | 1988-01 | $100 paper denomination | $207.36 | Stopped earning |
| 1987 | 1987-01 | $100 paper denomination | $207.36 | Stopped earning |
| 1986 | 1986-01 | $100 paper denomination | $230.64 | Stopped earning |
| 1985 | 1985-01 | $100 paper denomination | $230.64 | Stopped earning |
| 1984 | 1984-01 | $100 paper denomination | $230.64 | Stopped earning |
| 1983 | 1983-01 | $100 paper denomination | $280.32 | Stopped earning |
| 1982 | 1982-01 | $100 paper denomination | $293.80 | Stopped earning |
| 1981 | 1981-01 | $100 paper denomination | $306.88 | Stopped earning |
| 1980 | 1980-01 | $100 paper denomination | $331.48 | Stopped earning |
Paper denomination and electronic principal
For a paper EE bond, enter the face denomination printed on the certificate. The original price was half that amount: a $100 certificate cost $50. For an electronic EE bond, enter the amount invested, including cents when applicable. A $100 electronic purchase started with $100 principal, so it differs from a $100 paper certificate.
Paper EE bonds were issued from January 1980 through December 2011. Later purchases are electronic. The form checks the issue period and format before looking up a value. Paper denominations use rounded $25 value units; electronic principal uses the proportional rule, rounded to a cent.
EE rules by issue period
May 2005 and later: the original fixed rate applies for the first 20 years. Value grows monthly and compounds every six months. At 20 years, Treasury makes a one-time adjustment when needed to reach twice the purchase price. Treasury may set different extension terms for the next ten years; a new purchase rate should not be substituted for an older holding’s rate.
May 1997 through April 2005: variable rates are based on 90% of the relevant five-year Treasury yield average. Values grow monthly with semiannual compounding. Issues through May 2003 have a 17-year doubling guarantee. June 2003 through April 2005 issues use 20 years.
May 1995 through April 1997: short-term rates applied for the first five years and long-term rates afterward. Redemption values increase at six-month intervals, with a 17-year guarantee and 30-year final maturity. The next accrual date can therefore be several months away.
January 1980 through April 1995: historic terms included guarantees, market-based calculations and extension rules. All these issues have stopped earning by April 2025. Their current redemption amounts are the official final values.
Sources are the TreasuryDirect EE issue-period guides, checked October 3, 2026. Read the calculation methodology for formulas and comparisons.
Doubling and final maturity are different dates
A May 2005 paper EE bond with a $100 denomination had a $50 issue price and a May 2025 guarantee date. Its minimum guaranteed amount then was $100, while final maturity is May 2035. An electronic $100 purchase has a corresponding $200 guarantee. Interest can continue after the doubling date.
A January 2000 issue instead reached original maturity in January 2017 because it belongs to the 17-year group. The Savings Bond Checker focuses on the later date when interest stops.
Early redemption
Issues from February 2003 have a 12-month minimum holding period; earlier issues used six months. Monthly-accruing issues redeemed before five years lose their last three months of interest. At the fifth anniversary the penalty ends, so the change between adjacent monthly values may exceed one month’s interest.
The year table represents $100 January issues, not an average of every purchase in a year. Rows after 2011 are labeled as electronic investments. Select the actual month on your certificate for its own result. Other series are available in the Savings Bond Calculator and the I Bond Calculator.
Questions about your bond
Why is a paper EE purchase price half its denomination?
Paper EE bonds were sold at 50% of the face denomination. A certificate marked $100 therefore started with a $50 purchase price. Electronic EE bonds use the purchase amount as principal instead. Choose the correct format so that both the displayed value and doubling guarantee use the right starting amount.
Does every EE bond double at 20 years?
The guarantee date depends on the issue period. Issues from June 2003 onward have a 20-year original maturity; May 1995 through May 2003 issues use 17 years. Older terms differ again. The guarantee concerns twice the purchase price and is separate from the 30-year point when interest ends.
Why is my older EE value unchanged for several months?
EE bonds issued from May 1995 through April 1997 increase in value at six-month intervals. Earlier issues follow different accrual schedules. An unchanged value alone does not establish final maturity. Check the next accrual date alongside the final maturity date to distinguish a scheduled pause from the end of interest.
Content updated 2026-10-03. Information only; not financial or tax advice.