<prompt> Human: They all mature at 30 years. They are EE. There is at least one every year from 1988 to 2003. Until 94, they earn at 4 interest. 95 96, 1.34, 97 onwards, 1.14Most all are 100 notes, with one 200. 1997 and onward have not reached their 100 value, but all are eligible to be cashed out without penalty at this point.Our emergency savings are in need of a little replenishing, were in the middle of a renovation on our house, and we have a baby due in early September. So its really tempting to cash these bad boys out.They were all purchased as gifts, so its free money to matter when we cash out. Im just wondering how foolish it is to do so? Is it a bad decision to cash any or all of them out while theyre still earning interest?Edit: The 200 Savings Bond is from 1988 and earning 4.  <response>: Actually Id recommend keeping them. 1.14 is a pretty good interest rate for emergency savings, theyre not hard to cash out if need be, and some of them have higher rates. 