How to Determine When a Savings Bond Matures

by Mark Kennan, studioD

Savings bonds allow you to accrue interest on a tax-deferred basis for a very safe investment, because the bonds are backed by the federal government. Until the savings bond matures or you cash it in, it continues earning interest. However, the interest on the bonds stops accruing after a specified period of time. Knowing when your savings bond matures allows you to cash in the bonds or reinvest them so that you can continue earning interest on the investment.

Check the face of your bond to find the series the bond was issued in. The series can be either one or two letters from A through K and will be preceded by "Series" in larger font on the bond. For example, a Series I bond has "Series I" written in the upper right-hand corner of the bond.

Look up how long your series earns interest before it matures on the U.S. Treasury website. For example, EE bonds stop earning interest after 30 years, while HH bonds stop earning interest after 20 years.

Add the term to maturity to the issue date of your bond to find the maturity date. For example, if you have an HH bond issued in December 2000, add 20 years to find that the savings bond matures in December 2020.

About the Author

Mark Kennan is a writer based in the Kansas City area, specializing in personal finance and business topics. He has been writing since 2009 and has been published by "Quicken," "TurboTax," and "The Motley Fool."

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