How do you find the maturity of a US savings bond?
Quick Answer
Find the maturity date of U.S. savings bonds by finding the issue dates on the bonds and adding the number of years the bonds can earn interest according to the table on a U.S. Department of the Treasury website, TreasuryDirect. Once bonds reach final maturity, owners should redeem them.
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Full Answer
The original maturity terms of savings bonds are sometimes extended, but once bonds reach final maturity, they no longer earn interest. Among savings bonds that have fully matured and stopped earning interest are entire series of older bonds such as A through D, F, G, J and K. All issues of series E and H are fully mature. Series EE bonds dated January 1980 through March 1985 and series HH bonds dated January 1980 through March 1995 have also reached full maturity. As of March 2015, newer bonds of the EE series mature in 30 years, HH series in 20 years and I series in 30 years.
The Treasury Department recommends reinvesting or cashing in fully mature bonds. The IRS requires that savings bond owners report interest on the bonds on the year that they fully mature, although bond owners can claim a tax exemption if they use the interest from the bonds to pay for qualified higher education expenses.
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