Ee Savings Bond Maturity

Series EE Savings Bonds were created back in January of 1980 to replace the Series E Savings Bonds. Series EE Savings Bonds are low-risk investments that are commonly used for educational purposes, supplemental retirement income, and gifts for special occasions. EE savings bonds maturity varies depending on when they were issued. EE savings bonds that were issued before November 1982 earn interest up to 30 years and they earn it at either guaranteed or at market-based rates.

Bonds that are issued between November 1982 and February 1993 earn interest on a fixed scale starting at 4.16% for the first six months and increases over the next five years. They have an original maturity of 12 years and are eligible for market-based rates after five years.

EE savings bonds that are issued between March 1993 to April 1995 have a maturity rate of 18 years. They have a guaranteed minimum interest rate of 4% per year which is compounded annually. After five years, they are eligible for market-based rates.

Savings bonds issued between May 1995 through April 1997 have a maturity rate of up to 30 years and continues to earn interest after seventeen years. These bonds have both a short-term rate and a long-term rate. The short term rate is applied for the first five years. Between five years and seventeen years, they earn long term rates. After seventeen years, the bonds earn interest at the rates that are currently in effect.

EE Bonds bought between the years of May 1997 and April 2005 have a maturity rate of 30 years. From the beginning, these bonds earn interest based on the five-year U.S. Treasury yields. These bonds increase in value every month instead of every six months and the interest is compounded semi-annually.

EE savings bonds purchased after May 2005 earn a fixed interest rate for 20 years. When the bond reaches maturity, if it has not reached its face value, the U.S. Treasury will make an adjustment one time to the face value. Afterwards, an extension can be filed for another 10 years.