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TO CASH BONDS: If the bond cannot be cashed at a local bank, the surviving registrant must complete a Special Form of Request for Payment of United States Savings and Retirement Securities Where Use of a Detached Request Is Authorized (FS Form 1522).
Savings bonds earn interest until they reach maturity, which is generally 20-30 years, depending on the type purchased. If a bond is held past its maturity, the federal government remains responsible for the debt.
TO CASH BONDS FOR A DECEDENTS ESTATE: Series EE, Series E, and Series I bonds can be cashed at a local financial institution. Some of these transactions may have to be forwarded for further processing. Series HH and Series H bonds must be sent to one of the addresses shown at the bottom of the following page.
How much is my savings bond worth after 30 years? DenominationIssue dateValue $100 October 1994 $164.12 $1,000 October 1994 $1,641.20 $10,000 October 1994 $16,412.00 Nov 21, 2024
Enter your personal details, including your name, address, and Social Security Number. Provide details about the securities or account youre dealing with. If applicable, include information about the co-owner or beneficiary. Sign the form.

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There are two primary reasons a bond might be worth less than its listed face value. A savings bond, for example, is sold at a discount to its face value and steadily appreciates in price as the bond approaches its maturity date. Upon maturity, the bond is redeemed for the full face value.

savings bond redemption form