savings bonds

15 Second Savings Bond Lesson - Retitling Matured Savings Bonds

Posted on September 3, 2017

The Treasury Department will NOT retitle bonds into another persons name if the bonds have already reached final maturity OR if the bonds are within one month of their final maturity.

Most PAPER U.S. Savings Bonds – series E bonds issued after December 1965, all EE & I – will reach final maturity 30 years from the issue date printed on the bond. Own older paper bonds that are nearing final maturity? Be certain they are titled correctly.

Important: Paper U.S. Savings Bonds – that have not yet reached, or are outside one year until final maturity – will only be re-issued in electronic format only. Paper bonds are no longer available.

Electronic bonds require that an online Treasury Direct account to be set up, which requires that you provide personal & banking information. Unlike paper bonds, e-bonds will automatically be redeemed when they reach final maturity and the interest earned must be reported on a Federal Income Tax Return.

There are likely tax ramifications associated with removing the primary owners name off of any savings bond.

To learn final maturity dates, go to’s complimentary calculator and review maturity information on your complimentary, personalized, color-coded, Savings Bond Inventory Report. VIP Members will receive 3-month advance notifications if their portfolio contains bonds that are about to reach final maturity.

About’s complimentary calculator provides cash in values, interest rates and a personalized, printable, color-coded, Savings Bond Inventory Report along with a “What This Means To You” explanation. For ongoing savings bond management & updated bond values via unique monthly e-Bond Statements, try a free 14-day trial of the VIP Membership which includes a helpful Cash-In-Report.©


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