Q:

How long does it take a Series EE bond to mature?

A:

Quick Answer

The length of time is takes for a Series EE bond to mature, a period known as the term, depends on the issue date of the bond. All Series EE bonds issued since June 2003 take 20 years to mature; however, all Series EE bonds issued prior to June 2003 have a shorter term of between eight and 18 years.

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Full Answer

Series EE bonds were first issued in January 1980. The original terms for all Series EE bonds issued since January 1980 are listed below.

  • Bonds issued from January 1980 to October 1980 have a term of 11 years.
  • Bonds issued from November 1980 to April 1981 have a term of nine years.
  • Bonds issued from May 1981 to October 1982 have a term of eight years.
  • Bonds issued from November 1982 to October 1986 have a term of 10 years.
  • Bonds issued from November 1986 to February 1993 have a term of 12 years.
  • Bonds issued from March 1993 to April 1995 have a term of 18 years.
  • Bonds issued from May 1995 to May 2003 have a term of 17 years.
  • Bonds issued since June 2003 have a term of 20 years.

Series EE bonds are designed as long term investments. They earn interest for a maximum period of 30 years after they are issued. Thus, a Series EE bond with a 20 year term will continue earning interest for 10 years after it matures.

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