All bonds must be held for a least six months before they can be redeemed. Available to all persons, including minors. There are two maturity dates for Series EE bonds. Original maturity is 17 years after the issue date and final maturity is 30 years after the issue date. Bonds stop earning interest at final maturity.
Bonds earn interest based on their original terms and conditions until original maturity.
Because savings bonds earn market-based rates, it is not certain when a bond will reach its face value. A beneficiary listed on a bond does not increase the purchase limit for the owner. Series EE Savings Bonds can be purchased for 50 percent of the face value. There are no fees or commissions paid for either purchasing or redeeming bonds. Series EE bonds are accrual bonds, since interest is added every six months to the redemption value rather than being paid out.