I have some old bonds that have reached final maturity. During extensions, bonds issued prior to May 1995 earn interest based on a guaranteed yield or a market-based yield. The applicable guaranteed yield is the one in effect at the time the bond enters the extension. Bonds issued after April 1995 have no guaranteed minimum yield. They will earn interest in accordance with the terms and conditions in effect at the time they enter the extension.
Bonds stop earning interest at final maturity.
EE bonds issued on or after May 1995 do not have a guaranteed rate of return. These bonds increase in value every month and interest is compounded semiannually. The new rate is announced each May 1 and November 1. The rate your bond is earning is adjusted to market-based rates every six months. New rates are announced each May 1 and November 1.