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- Value Savings bonds Online right now!
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- Based on years of answering countless
questions, we have found these to be the most often asked questions - review and enjoy. If
you have any other questions, please feel free to contact us by email at info@savingsbonds.com
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- Q: What do I do about
a lost, destroyed or stolen bond?
- A: Good News, a recent NEW SERVICE provided
ONLINE by
SavingsBonds.com cuts down on the long reading of government forms, and
walks you through the application process of replacing your bonds,
Quickly & Easily!. After you complete your on-line application
it is reviewed by a Bond Consultant. We'll include
suggestions/comments to achieve the best results.
Here’s even better news, the bonds continued to
earn interest during the period that they were missing.
Remember - a Bond Consultant will review it and
make comments or suggestions, a complete and
accurate application may help recover our lost treasure!
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- Instant Access to the Form you need!
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- The Bond Consultant’s form can save you
time and hassles, a trip to
- the bank, and/or the cost and time of a long
distance phone call. Get
- your request in faster, by using an on-line
copy of PDF 1048 form .
- Complete it right on the screen, print it
out and save even more time
- and get your request for a replacement bond
filed quicker!
- Please note: A new bond that you never
received in the mail from
- the Federal Reserve requires Form PDF 3062
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- Before You File
- Act quickly if you suspect that a bond is
missing or stolen. The Bureau
- of Public Dept. will only keep records of
redeemed (cashed in) bonds
- for up to 10 years. After that date, you are
probably out of luck and
- may not be able to get a replacement bond
since the government may
- no longer have a record of the bond. If
government records indicate
- that a bond has been redeemed, chances are
the claim for replacement
- will be denied, unless someone other than
the owner or the co-owner
- redeemed the bond.
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- You must provide a serial number for bonds
that are six years past their
- final maturity date. Helpful Hint: Bonds
issued through November 30, 1965 will reach it’s final maturity in forty (40) years.
Bonds issued from December, 1965 or later, will earn interest for up to 30 years. Check
your dates before you fill out the application!
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- It’s as easy as 1,2,3 to
complete an on-line application for replacement!
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- 1. Fill out Form
PDF 1048 -"Application for Relief on Account of Loss, Theft, or Destruction of
United States Savings and Retirement Securities". The easy instructions are on the
form, and you can fill it out on-line!
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- 2. Supply as much information about the
bonds as possible, such as the month and year issued, the name on the bond, etc. Providing
a serial number will help speed up the process. Reminder: You must supply a serial number
for a bond that is six years beyond its final maturity.
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- 3. Submit your
application: (note: there is a small handling charge). A Bond Consultant
will review it, we'll mail it to you, complete with an addressed
envelope, have it notarized then mail it in!
- Note: It may take approximately 4-6 weeks to
get a response from the government. It can take up to several months for a replacement bond to be sent to you.
There are no guarantees that a replacement will be issued if the government can not find a
record.
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- What do I do if I never received a bond that
I recently purchased?
- This situation is different than a lost or
stolen bond (noted above) and requires a different form, called "Claims for Relief on
Account of Loss, Theft or Destruction of United States Savings Bonds After Valid Issue But
Prior to Receipt by Owner, Co-Owner or Beneficiary", or form PDF 3062. The issuing
bank (where you purchased the bond) is expected to keep the issue information on file for
six months. You should go to the bank and request that they provide you with a claim form,
fill out the required information, and then it must be signed by all those named on the
missing bond. Minors must also sign the form if they are named on the bond.
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- Other Helpful Hints:
- If the bond was issued by your payroll
savings plan, contact the payroll
- department. If six months have passed since
issuance, contact the bank
- where the bond was issued/purchased. The
bank should be able to help
- you locate the bond record. The Bond
Consultant suggests that you bring
- a copy of the receipt of payment (or a
canceled check) as proof of
- payment and the date of purchase.
- Q: How long will
it take for my bonds to reach it's face value?
- A: Once again, this answer depends on when
the bond was issued. We broke down when a bond reaches its original maturity and when it
goes into an "extension" by years. An extension is the term used for the 10 year
period after the bond reaches its original maturity. A bond may enter into an additional
10 year extension. However a bond will never earn interest for more than 30 or 40 years
(depending on the issue date of the bond).
- PRIOR TO NOVEMBER 1982:
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- Original Maturity Dates for E Bonds
| Issued from |
Issued to |
Time to mature |
| May 1941 |
April 1952 |
10 Years |
| May 1952 |
January 1957 |
9 years 8 months |
| February 1957 |
May 1959 |
8 years 11 months |
| June 1959 |
November 1965 |
7 years 9 months |
| December 1965 |
May 1969 |
7 years |
| June 1969 |
November 1973 |
5 years 10 months |
| December 1973 |
June 1980 |
5 years |
- Original maturity Dates : EE Bonds
| Issued from |
Issued to |
Time to mature |
| January 1980 |
October 1980 |
11 years |
| November 1980 |
April 1981 |
9 years |
| May 1981 |
October 1982 |
8 years |
- Original maturity Dates : Savings Notes
| Issued from |
Issued to |
Time to mature |
| Anytime |
Anytime |
4 years 6 months |
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- Extension rules for pre-1982 bonds: Bonds
will enter into a 10 year extension. The bond will increase in value every six months from
the original maturity date (see above). The bond may enter into a second 10 year
extension, not to exceed 30 or 40 years, depending on the issue date.
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- Bonds Issued from November 1982
through April 1995
- Original Maturity Dates
| Issued from |
Issued to |
Time to mature |
| November 1982 |
October 1986 |
10 Years |
| November 1986 |
February 1993 |
12 Years |
| March 1993 |
April 1995 |
18 Years |
| June 1959 |
November 1965 |
7 years 9 months |
| December 1965 |
May 1969 |
7 years |
| June 1969 |
November 1973 |
5 years 10 months |
| December 1973 |
June 1980 |
5 years |
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- Extension rules for November 1982 through
April 1995: Bonds will enter into a first extension for 10 years. On the second extension,
the bond earns interest until it reaches 30 years old. During the seconds extension, the
guaranteed minimum interest rate value is re-calculated. It begins by determining what the
bond will be worth at the end of the first maturity period and then applies the rate that
was in effect when the second maturity period was entered for each interest period.
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- EE BONDS ISSUED SINCE MAY 1995: Since
interest rates can change every six months, it is virtually impossible to predict when
your bond will reach it’s original maturity (face value). A brief guideline is if the
bond was earning an average rate of 5% per year, it would take approximately 14 1/2 years
to reach face value. A bond earning interest at a rate of 6%, compounded semi-annually
would take no more than 12 years to reach face value.
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- GOOD NEWS! EFFECTIVE MAY 1, 1995, BONDS ARE
GUARANTEED TO BE WORTH AT LEAST IT’S FACE VALUE AT 17 YEARS. THE TREASURY WILL MAKE A
ONE TIME ADJUSTMENT TO BE CERTAIN THAT YOUR BOND WILL REACH ITS FACE VALUE IF INTEREST
RATES WERE TOO LOW.
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- Extensions on Bonds issued from May 1995 and
thereafter is from the 17th year to 30 years, bonds will earn interest for thirteen more
years, or until it is 30 years old.
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