20 years

## How long does it take for a savings bond to mature?

30 years

## How long does it take for a $50 savings bond to mature?

Final Maturity

This means that the bond will continue earning interest for 30 years after you bought it, regardless of whether it reaches its value after 20 years with a special Treasury payment or earlier. After 30 years you need to redeem the bond because it won’t keep earning interest.

## How much is a $50 EE savings bond worth after 30 years?

For example, a series EE bond that has a face value of $50 can be bought for $25. A series EE bond will reach full face value after 20 years and will stop earning interest after 30 years.

## When should I cash in EE Savings Bonds?

Your savings bonds are all past the early redemption penalty. That means you can cash them in whenever you like — you don’t have to wait until the savings bond matures. Series EE savings bonds earn interest for 30 years. The oldest of your bonds still has another 10 years until final maturity.