The U. Treasury recommends cashing all savings bonds that have reached final maturity because that is when they stop earning interest. However, the Treasury has extended original maturity dates from 10 to 30 years, making it harder to know when final maturity occurs. Additionally, different issues and series have different earning lifetimes. However, the Treasury supplies a number of guidelines and tools to facilitate your calculation of the final maturity date.
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If you have found some old certificates, depending on the issue date, it may be a simple thing to find out if savings bonds have been cashed out already.
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The Federal government uses Treasury bonds, along with Treasury bills and notes, to finance its debt. When you purchase a Treasury bond, it pays a fixed interest rate for a set number of years and accumulates interest every month or six months, depending on when it was issued.
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