HomeTreasuriesTreasury BasicsNo Longer Earning Interest
No Longer Earning Interest


Have you ever wondered whether your Treasury securities have stopped earning interest? Securities no longer earning interest should be redeemed or cashed.

Marketable securities
Treasury bills, Treasury notes, Treasury bonds, and Treasury Inflation-Protected Securities (TIPS) - have maturities ranging from a few days to 30 years. If you own Treasury marketable securities, you should know when they mature and be sure to watch for bond calls - cases where Treasury stops paying interest on bonds prior to the scheduled maturity date.

Savings Bonds
It's important to periodically check your savings bonds to make sure that they're still earning interest. This is especially true for Series E bonds and Savings Notes since (unlike the H and HH series) you don't receive regular interest payments from Treasury. The table below will help you determine if your bonds have stopped earning interest.

The following savings bonds no longer earn interest:

SERIESISSUE DATE

E

May 1941 through April 1976

H

June 1952 through April 1976

HH

January 1980 through April 1986

Savings Notes

May 1967 through October 1970

A, B, C, D, F, G, J, K

All issues


If your bonds have stopped earning interest, you should cash them.

In general, savings bonds earn interest for different lengths of time depending on the series of the bond and, in some cases, when the bond was issued. Use the table below to determine how long your bonds will earn interest.

SERIESDATE OF ISSUENUMBER OF YEARS BONDS EARN INTEREST

E

May 1941 - November 1965

40 years

E

December 1965 - June 1980

30 years

EE

All issues

30 years

H

June 1952 - January 1957

29 years, 8 months

H

February 1957 - December 1979

30 years

HH

All issues

20 years

I

All issues

30 years

Savings Notes

All issues

30 years

Note: Bonds.com offers the U.S. Savings Bonds tables for informational purposes. Bonds.com cannot assist with the actual redemption of any Series savings bonds. For more information visit the Treasury's Saving Bonds Forms site.