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The point is, redeem them as soon as you are able for 50% of the face value and invest the cash. If you're saving for a kid's college, put it in a 529 account. You'll do waaayyyy better than waiting for the full maturity of the EE bond.
It's 50% of face value plus a buck or two depending on how long you've had it. You have to wait a year from date of issue to redeem them. Based on present value of future dollars, I cashed in a bunch about 6 months ago to buy something that will appreciate in value as the Obama years wear on: another .45 1911 model.
Atlantic is such an aweful FBO to begin with...why do your companies use them? They are expensive. Their customer service is the worst in the industry. They just aren't worth using.