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Treasury Securities That Have Stopped Earning Interest

Do you have savings bonds or marketable Treasury securities that have matured and stopped earning interest? If so, this may be a good time to cash them and use that money for a project or a financial need or put your money back to work for you again in a new investment.

Note: Not sure if you have an older bond that's stopped earning interest? Use our Treasury Hunt search engine to see if any bonds are listed in the database. If so, you’ll get information on how to claim and cash them, but you cannot convert them to electronic form. If you have your bonds in hand, follow the information below. (Treasury Hunt is updated monthly.)

Note: While you must take action to cash any paper securities you may have, the bonds you hold in TreasuryDirect are automatically cashed and stop earning interest on the day they mature. To see the status of a security in TreasuryDirect, go to your TreasuryDirect account. The information below is intended primarily for owners of paper securities--securities held outside TreasuryDirect.

Savings Bonds

Use the tables below to determine whether your savings bonds have stopped earning interest. You should keep a list of your bonds, by serial number, in a safe location and separate from the actual bonds.

To learn whether a savings bond on your list has been cashed, contact:

  • Treasury Retail Securities Services
    P.O. Box 9150
    Minneapolis, MN 55480-9150

The following savings bonds no longer earn interest:

E All issues
EE January 1980 through June 1992
H All issues
HH January 1980 through June 2002
Savings Notes All issues
A, B, C, D, F, G, J, K All issues

How long savings bonds earn interest, based on issue date:

E May 1941- November 1965 40 years
December 1965 - June 1980 30 years
EE All issues 30 years
H June 1952- January 1957 29 years, 8 months
February 1957- December 1979 30 years
HH All issues 20 years
I All issues 30 years
Savings Notes All issues 30 years

Marketable Securities

Marketable securities--U. S. Treasury bills, Treasury notes, Treasury bonds, Floating Rate Notes, and Treasury Inflation-Protected Securities (TIPS)--earn interest for periods ranging from a few days to 30 years. To find whether a particular marketable security has matured (and therefore stopped earning interest), use our Auction Query.