US Savings Bonds Value

The US savings bonds value increases the longer you hold the bonds to maturity. You can usually find out the US savings bonds value using the savings bond calculator. Both the savings bond calculator and the savings bond wizard will help you find out your US savings bonds value.

How is the US savings bonds value calculated?

The US savings bonds value is calculated based on the interest rates of the US savings bonds. The interest rates are based on when the savings bonds were issued and the type of savings bonds.

Some US savings bonds have fixed interest rates whereas others have variable interest rates. The US savings bonds value varies largely based on the interest rates and whether the rates are fixed or variable. Series EE bonds issued in May 2005 and after, for example, earn a fixed interest rate.

The interest rates can be adjusted for new issues giving rise to different US savings bonds values.

Cashing savings bonds based on its value

When cashing savings bonds or redeeming them, it is good to know when your US savings bonds value will go up so that you will not cash out just before the savings bonds value jump.

In general, US savings bonds must be held for at least one year from the date of purchase but you will earn more interests if you hold them longer, especially more than five years.

US savings bonds value if redeemed in less than five years

Most people try to hold US savings bonds for five years or longer because of the interest penalty tagged onto US savings bonds if held shorter than five years from the date the savings bonds were issued. The interest penalty is three months of interest on the US savings bonds.