How To Determine Maturation Date Of U.S. Savings Bond

Knowing how to determine the maturation date of a U.S. savings bond is important if you have savings bonds as part of your financial portfolio. A pretty safe investment, savings bonds are a savings vehicle issued by the United States government, which makes them very attractive in bad economic times as well as good. Because savings bonds are purchased at a price less than face value, and slowly mature to that value, and beyond, it’s not readily apparent when they reach maturity.

There are restrictions on when a new savings bond can be cashed, and there is a point at which a bond stops earning interest. Knowing when savings bonds are mature and have achieved their maximum value is a key component to knowing when to hold on to them or cash them.

1. The maturation date of U.S. Savings Bonds is based on the issue date, and type of bond. Some bonds mature in twenty years, others in 30, or even 40 years.
2. As a government-issued financial product, the best way to determine the maturation date of a savings bond is through the government. A visit to TreasuryDirect (www.savingsbonds.gov) is the best, and most accurate, way to find out the date a savings bond matures.
3. TreasuryDirect has two charts, one that shows bonds that have reached maturity and are no longer earning interest, broken down by bond series and issue date, and bonds that are not yet mature and are still earning interest, also broken down by bond series and issue date.
4. Another way to determine the maturation date of a savings bond is to take the bond to a financial institution such as a bank. Any bank should be able to provide the date a bond matures, and its current value.

Savings bonds are safe, and often earn more interest than other financial investment products, and although they are not as transparent as other products, when managed with responsibility and from a place of knowledge, they can be a great part of any investment portfolio.