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- Cashing Out Series Ee Bonds
- Series Ee Bond Redemption Chart
- Serial Number On Ee Bonds
- Series Ee Savings Bond Serial Number Location
- Ee Bond Serial Number Location In India
- Ee Bond Serial Number Location
- Series Ee Bond Serial Number Location
What are Savings Bonds?
- TreasuryDirect's online calculator can only display the values of bonds from 01/1996 to the present rate period. TreasuryDirect stopped offering Internet HH/H savings bonds services, including bond look up by serial number, in September 2013.
- Apr 1, 2015 - I am pretty sure my parents purchased a $500 savings bond for my. If you had the serial number, the Bureau of the Public Debt would be able.
Savings bonds are a type of risk-free fixed income investment issued by the United States Treasury. Essentially, they are small pieces of US government debt that helps finance day-to-day operations of the US government. While savings bonds are not technically insured like a typical bank account, they are backed by the full faith and credit of the US government, making them essentially as safe as an FDIC/NCUA insured savings account.
There are two types of savings bonds currently issued by the US Treasury: EE-bonds and I-Bonds. See the next section for more information on how EE and I-series bonds differ.
There are also a couple types of savings bonds that are no longer issued but may still be valid, namely E-series and HH-series bonds. This wiki entry does not cover E- or HH-series bonds.
![Ee bond serial number location Ee bond serial number location](/uploads/1/2/6/8/126897763/548784448.jpg)
Only the bond series (E, EE, H, HH, Savings Notes, and series I bonds), denomination, issue date and the serial number (optional) is stored on our servers. Every time you log in to the Bond Guru, the information is instantly re-calculated.
Lastly, there are other types of bonds issued by the Treasury that are not considered savings bonds. For instance, Treasury Inflation-Protected Securities (TIPS), while a good tool for protecting some invested money against inflation, are not considered savings bonds, and also can lose value if deflation occurs. This wiki entry does not cover TIPS.
What is the difference between an EE-Series Bond and an I-Series Bond?
EE-Series bonds are purchased at half face value, and their interest rate is based on either the average of the 5-year Treasury Note, or the 10-year Treasury Note, depending on the bond's age. EE bonds are guaranteed to be worth at least their face value 17/20 years after purchase (see below section marked 'Should I cash my savings bond?' for more information). Due to this guaranteed doubling, newer issued bonds have an effective minimum compound annual interest rate of around 3.53% if cashed exactly 20 years after purchase (older bonds that double in 17 years have a higher effective rate of ~4.16%).
I-Series bonds are purchased at face value, and their interest rate a combination of a fixed rate set at the date of purchase, and a Consumer Price Index (inflation) component. New fixed rates as well as the inflation component are announced in May and November of each year. Due to this behavior, I-series bonds are typically regarded as type of inflation-protected investment. You can find the current I bond rate at the treasurydirect.gov website. Fixed rates and variable CPI rates are announced every 6 months around May 1st and November 1st.
How do taxes on savings bonds work?
Both types of bonds are tax-deferred, in that you do not pay taxes on interest income until you redeem the bond. You may opt to pay tax on interest before they are cashed. All interest on US savings bonds are treated as standard income for income tax related purposes. EE and I-series bonds are exempt from all state and local taxes.
Both EE and I-series bonds are exempt from income taxes on interest if they are used on qualified educational expenses, you were 24 years or older when the bonds were purchased, and your modified adjusted gross income does not exceed a certain level. Note that the age requirement generally means that a typical post-high school college student cannot use bonds purchased when they were a minor for their own education and receive a tax benefit; in order to receive a tax benefit, the bonds would have to be cashed by their parent or guardian.
As of May 2015, qualified expenses include:
- Tuition and Registration Fees
- Course Fees
Qualified expenses do not include:
- Student loan payments
- Room and board
- Books
The Treasury has a more detailed explanation of the education interest income exclusion for EE and I-series bonds.
What is my savings bond's interest rate?
Use the TreasuryDirect Online Savings Bond Calculator or the offline Savings Bond Wizard to determine the interest rate you are earning on your current savings bonds. Keep in mind that any EE-series bonds that have reached their doubling anniversary will have a temporarily higher interest rate during the month of the anniversary.
Should I cash my savings bond?
Determining whether to cash your bonds or hold onto them follows much of the logic of standard small- to medium-sized windfall handling (for more on that, read the entry on common questions and small amounts of money). Since savings bonds have a few unique advantages, however, there's a bit more to consider.
First, determine if any of your EE-series bonds are below 17 years old, or 20 if issued after May 2003. EE-series bonds are guaranteed to be worth at least their face value after 17(20) years. If accrued interest has not resulted in an EE-series bond's value to increase to its face value by that date, the Treasury will automatically adjust the interest rate of the bond for a single month in order to ensure that the bond's value is equal to its face value. Due to this guaranteed value mechanic, you should wait to cash any EE-series bond that is within 2-3 years of its doubling date.
Next, If you have the opportunity to use your savings bonds tax-free using the educational exemption as described earlier, you should consider using your bonds to fund your education. Bond interest that would normally be spent paying taxes can instead go towards your education, which could save you additional money by not taking out student loans and paying interest on student loan debt.
If you have high-interest debt, cashing your remaining bonds to partially or completely pay off your debts should be your next priority. Remember, while your bonds are earning risk-free interest, paying off your debt is also considered a risk-free investment. While the threshold for high/low interest debt is debatable, in this case the threshold would be the interest rates on your bonds.
If you have any bonds left (or don't have any debt; excluding any EE-series bonds about to double), you'll need to determine what threshold for risk-free return that you think is appropriate. Any bonds that have an interest rate below this threshold should be cashed and reinvested in higher-risk investments.
How do I cash a savings bond?
Any brick-and-mortar bank or credit union has the capability to cash paper savings bonds. However, many of them will restrict savings bond redemptions for non-members to $1000 per day. For those that find these restrictions inconvenient, due to a large amount of savings bonds and/or having a lack of physical branch location nearby for their primary banking institution, converting savings bonds to electronic bonds should be considered (scroll down for more information).
Electronic bonds must be redeemed through TreasuryDirect; the redemption value is electronically transferred to the account of your choice.
How do I buy savings bonds?
As of January 1, 2012, paper savings bonds are no longer widely purchasable. EE and I-series bonds must be purchased as electronic bonds through the Treasury's TreasuryDirect website. Through the TreasuryDirect website, you can purchase up to $10,000 of EE-series bonds, and $10,000 of I-series bonds, for a total of $20,000 for both EE and I-series bonds.
You can also opt to receive your tax return in the form of paper I-bonds by filling out Form 8888 [PDF], which is submitted with your tax return. You can opt to receive up to $5,000 of your refund in paper I-bonds. Keep in mind that purchasing I-bonds this way forces you to request overwithholding for income taxes by a significant amount.
Converting paper bonds to electronic bonds
The US Treasury offers a program called SmartExchange that allows savings bond holders to trade in their paper EE and I-series bonds and receive equivalent electronically issued bonds in their place. The replacement electronic bonds function identically to their traded-in paper equivalents, including their current value, interest rate, right down to the serial number.
Converting your savings bonds to electronic bonds has several advantages. Electronic bonds can be cashed at any time from the US Treasury's website, at which time the money is electronically transferred to a bank account of your choice. The Treasury's website also lists the current value of your electronic bonds so that you don't have to use their calculator to find the current value.
There are disadvantages, too. Once converted to electronic bonds, you cannot 'unconvert' the bonds back into paper bonds. You also cannot directly get cash for an electronic bond - you have to have the money sent to a bank account, from which you would withdraw cash either at a bank/credit union or from an ATM. The process is also fairly tedious, so it's generally only worth it if you have many bonds you would like to convert.
The following are the general steps of the bond conversion process:
- Physically sort your bonds by by registration. Registration is how the bonds' ownerships are made out; for instance, you may have some bonds that are solely in your name, and others that are in your name but have Paid on Death designated to either your parents or the original bond purchaser. Split any stacks that contain more than 50 bonds into two separate stacks.
- Create a TreasuryDirect account. Here is a link to get started creating a TD account.
- Once you create a TreasuryDirect account, you'll need to create a sub-account for your converted bonds. After logging into TreasuryDirect, click the ManageDirect link, and under the heading 'Managed My Linked Accounts', click the link to establish a conversion account. After creating a conversion sub-account, it can be directly accessed from the My Accounts page, near the bottom.
- Once inside the conversion sub-account, click the ManageDirect link and create a registration list. You'll need a registration list for every registration stack you made earlier. On each registration list, input each bond's data individually. You'll need to input the bond type (EE or I-series), denomination, serial number, and issue date. There is also a comments field that can be used if anything regarding the bond's identification is unusual, such as if the bond has your maiden name instead of your current last name, or if the purchaser put down the wrong social security number.
- Once you have created all your registration lists, you'll need to create a manifest from each registration lists you created. This manifest acts somewhat like a packing slip, as well as your authorization to convert the bonds to electronic bonds. You can create manifests by navigating to the Create Manifest page from ManageDirect. Once you create a manifest, you cannot alter it. Print and sign the manifests, however do not sign your bonds.
- Package your bonds and manifest into a large envelope, address it to the Treasury (the address should appear on your manifest), and head to your local post office to get your package weighed and paid for. You should consider using USPS Certified Mail with Return Receipt Requested for shipping bonds, though some have successfully used a USPS flat-rate large envelope for shipping bonds.
- After several weeks, your converted bonds should appear in your TreasuryDirect conversion sub-account.
I had paper bonds, but they are now missing. Can I get them replaced?
The Treasury maintains records of savings bond ownership by social security number, so it is possible for them to look up records for past bond purchases. Using Form 1048 [PDF], you can request replacement bond issues (Electronic-only for EE and I-Series bonds, paper-only for HH-series bonds) or direct deposit into a bank account for any bonds that may have been lost, stolen, or destroyed. Note that while the form requests you put in bond serial numbers, you can still use the form if the serial number are unknown; however in order to help the Treasury perform the search, you should put in as much additional information as possible, such as when the bond(s) may have been issued, and for what denominations.
For investors in U.S. Savings Bonds - EE and I Bonds - the Savings Bond Wizard was an excellent tool for keeping an accurate inventory and tracking past and current values. But as of June 1, the U.S. Treasury discontinued the Wizard and replaced it with a Savings Bond Calculator, a tool that's a little less user friendly.
The Wizard - a free downloadable program offered by the Treasury - dates all the way back to the Windows 95 era, and it never really changed that 'early PC' look and feel. But it worked (pretty reliably), offering the ability to download updated data for all Savings Bonds.
Now it is gone. Users with the Savings Bond Wizard already installed can still open and view their inventory, but won't be able to update data beyond May 2018. The new tool - the Savings Bond Calculator - is browser-based and duplicates most of the Wizard's functions.
The good news is that all the data you entered into the Wizard can be exported into the new Calculator. It's a fairly simple transaction, but steps along the way can be confusing. So I'm going to offer a step-by-step guide to transitioning from the Wizard to the Calculator.
Cashing Out Series Ee Bonds
A last look at the Savings Bond Wizard
Here is a sample file I created with the Savings Bond Wizard, showing how the data are presented. This file is updated through May 2018, but now is closed from getting data from June. Important data include the bond type, original investment, issue date, etc. But you can also see the interest accrued, current value, current interest rate, cumulative historic yield and the final maturity date.
In the Serial Number column, I placed notes showing information about the Savings Bond. Ownership information (Jack or Jill, since couples often have two accounts), plus the fixed rate for each I Bond. The fixed-rate information is crucial when you go to redeem an I Bond at TreasuryDirect. Finding a specific I Bond can be difficult, but this tool gives you the issue date, and that's how TreasuryDirect lists your holdings.
The Wizard places an NE notation for Savings Bonds that haven't yet been held for 1 year and therefore can't be redeemed and a P5 notation for I Bonds not yet held for five years and subject to a three-month interest penalty if redeemed.
At this point, you should make sure your bond listing is up to date, because you are about to stop using the Wizard, forever.
Exporting data out of the Savings Bond Wizard
With the Savings Bond Wizard still open, click on File > Export and save your current data as an *.htm file. Make sure to save this file to a place you can find it later, such as your computer desktop or your main investment folder.
Moving data into the Savings Bond Calculator
Find the .htm file you saved and double-click on it. Here is the process for what happens next:
Series Ee Bond Redemption Chart
Note that the data have now updated to June 2018 and the balance total has increased from $183,816 in May to $184,302 in June.
Adding bonds to your inventory
This process works exactly like it did in the Savings Bond Wizard, a bit clunky. It pays to do this carefully and double check your work. From the main page of the Savings Bond Calculator:
In this example, I captured myself trying to enter a $10,000 I Bond into the Calculator. That would not work in the old Wizard and it won't work in the Calculator, either. For some reason, the Treasury still believes I Bond purchases are limited to $5,000 a year, and will only let you enter $5,000 at a time. So you have to enter $5,000 twice to reflect a $10,000 purchase.
Serial Number On Ee Bonds
The same is true for EE Bonds, but it's a little more tricky. If you enter a $10,000 denomination for an EE Bond, the Calculator converts that to a $5,000 issue price because the denomination equals the EE Bond's full value in 20 years. So if you just bought $10,000 in EE Bonds, you'd need to enter two $10,000 denomination transactions. The calculator will list the issue price and current value for each correctly as $5,000.
When you hit enter, the bond is immediately added to your inventory. There is no confirmation screen. So be careful when you take this step.
If you make an error - or redeem a bond and you want to remove it - just click on the 'REMOVE' button on the right hand side of the main-page listing.
Saving your updated Calculator file
This step is also a little tricky, and is complicated because every Web browser has different ways of saving files. Treasury Direct has a nice rundown of instructions for widely used browsers. Be aware, however, that Google Chrome and Microsoft Edge are listed as 'not compatible.' Here are the basic steps:
Series Ee Savings Bond Serial Number Location
You probably want to change that file name to something more meaningful and make sure to save it to a place you can find it later. One possibility would be to name it 'June 2018 Savings Bonds' .. but make sure to save the file as HTML ONLY. Some browsers will try to save the entire web page - photos and all - and you don't want that.
The Calculator directs you to the printer-friendly page to save, which is basic HTML. It should save cleanly.
Returning to this file in the future
Ee Bond Serial Number Location In India
I called my file 'Sample Test File2' and when I double click on it, it sends me to the printable list of my bonds. At this point, I am viewing the file on my computer and nothing has updated. I need to click on the 'RETURN TO SAVINGS BOND CALCULATOR BUTTON' to actually enter TreasuryDirect.
Ee Bond Serial Number Location
And here is the final result, an updated listing of my Savings Bond holdings in TreasuryDirect, already updated with the Savings Bond Calculator:
Series Ee Bond Serial Number Location
A couple of final notes: I noticed that the Calculator eliminated the 'Yield' field, which showed the historic composite yield of the bond since it was issued. I think this number may have confused a lot of users - I've gotten a lot of questions about it over the years. So the Treasury ditched it.
Also, during the entire process of writing this article, I never logged into TreasuryDirect. The Calculator is not behind a login wall, which makes it very easy to use. Does that raise security concerns? I'd say the concerns are minimal but others might find this troublesome.
At any rate, I would NOT enter the actual serial number into that column. I think very few people use that column for that purpose, anyway. The other information is fairly generic.
Disclosure:I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.