When Is The Best Time To Cash In Savings Bonds


The best time to cash in your savings bond depends on how long you’ve held it. You can find the specific amount of interest accrued by redeeming a particular type of savings bond at www.treasurydirect.gov/redeem. Follow these steps:

1. Go to www.treasurydirect.gov/redeem and log in using your TreasuryDirect user ID and password (located on the back of your Savings Bond Certificate).

2a Enter the issue date for each individual dollar value of bonds that you want to buy or sell into an existing balance, then select “Buy or Sell.” Repeat this step as necessary for all dollar values provided on each certificate, up through $100,000 per person ($50,000 per couple) used for deposit purposes only; do not exceed $5 million across all certificates owned by one person if married filing jointly! See Chapter 10 for more details about aggregating multiple savings bonds into one account at TreasuryDirect!.

b If you are buying government savings bonds online, click “Apply” next to “Bonds Purchased Before 2012,” which indicates that they must be purchased before January 1, 2012 (see Step 3 below). Scroll down until you see “Open View Account Information” with additional information about available options under categories like Bonds Purchased Before 2006; Bonds Purchased Within 2000 Years; etc., depending upon when their last purchase was made at treasurydirect’s website (we recommend selling them first!). Under