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The 1995 $1 Federal Reserve Note in Crisp Uncirculated (CU) condition represents a modern yet increasingly collectible piece of American currency. Issued during the administration of President Bill Clinton, the note comes from a period of economic expansion and relative political stability in the United States. While the one-dollar denomination remains the most widely circulated and recognized form of U.S. paper currency, examples from the 1995 series that have survived in untouched, uncirculated condition offer collectors the opportunity to preserve a snapshot of late 20th-century monetary design and production.
The Federal Reserve Note system, first authorized by the Federal Reserve Act of 1913, had by the 1990s firmly established itself as the cornerstone of U.S. paper currency. By the time the 1995 $1 note was issued, the use of Silver Certificates and United States Notes had long since ceased, and Federal Reserve Notes were the sole paper legal tender in circulation. The $1 note, despite its low denomination, carried enduring symbolic and economic significance, representing a strong and stable economy during a time of technological innovation, a booming stock market, and the increasing globalization of the American financial system.
The obverse of the 1995 $1 Federal Reserve Note retains the classic portrait of George Washington, the first President of the United States, based on the famed 1796 portrait by Gilbert Stuart. This depiction has remained virtually unchanged since the redesign of small-size notes in 1928 and reflects both tradition and national reverence. Surrounding the portrait are the inscriptions “Federal Reserve Note,” “The United States of America,” “One Dollar,” and the legal tender clause affirming its use for all debts, public and private. The green Treasury seal is located to the right of Washington’s portrait, while the Federal Reserve District seal appears on the left, with the corresponding district letter and number. In CU condition, every detail remains bold and well-centered, with crisp printing and vivid green and black inks.
The reverse design features the familiar and symbolic imagery of the Great Seal of the United States. On the left side is the obverse of the seal—an unfinished pyramid topped with the Eye of Providence—accompanied by the Latin mottoes “Annuit Coeptis” (“He has favored our undertakings”) and “Novus Ordo Seclorum” (“A new order of the ages”). On the right is the reverse of the seal, depicting a bald eagle with a shield on its chest, an olive branch in one talon, and arrows in the other. Above the eagle is a constellation of thirteen stars and the national motto “E Pluribus Unum.” The phrase “In God We Trust” appears prominently above the word “ONE” at the center. In uncirculated condition, the fine lines and engraving of these elements are sharp and pristine, allowing viewers to appreciate the artistic intricacy and symbolism of the design.
The 1995 series of $1 Federal Reserve Notes were printed in vast quantities across both the Washington, D.C. and Fort Worth, Texas, facilities of the Bureau of Engraving and Printing (BEP). This marked a time when BEP was expanding production capacity to meet growing domestic and international demand for U.S. currency. The notes feature the signatures of Treasury Secretary Robert E. Rubin and Treasurer Mary Ellen Withrow, both of whom were prominent figures in shaping financial policy during the Clinton administration. Withrow’s signature is historically notable, as she was the longest-serving Treasurer of the United States, having held the position from 1994 to 2001.
Despite the large overall mintage of the 1995 $1 series—totaling billions of notes—only a small fraction have survived in true Crisp Uncirculated condition. Most one-dollar bills are heavily used in daily commerce, resulting in extensive wear, folding, staining, and tearing. Therefore, finding a 1995 note with original paper quality, no signs of circulation, and fully intact edges is increasingly uncommon. CU examples are particularly valued by collectors of modern currency who focus on uncirculated notes, star notes, low serial numbers, or unique Federal Reserve District identifiers. Some collectors also build complete sets of $1 notes from each series and district, and the 1995 note plays a key role in such collections.
Federal Reserve District identification is a key factor in collecting $1 notes from this series. Each note was issued by one of the twelve regional Federal Reserve Banks, indicated by the district letter (A through L) and number (1 through 12) on the note. For example, “B” represents the Federal Reserve Bank of New York. Notes from certain districts are harder to find in CU condition, depending on print runs and survival rates. Additionally, star notes—replacement notes printed to substitute for those damaged during production—are considerably scarcer than standard issues and command a premium, especially when paired with high-grade condition.
CU notes from the 1995 series should show no folds, creases, or signs of handling. The paper retains its original stiffness and embossing, a quality that diminishes quickly with even minimal circulation. The inks are vibrant, the margins are well-centered, and the corners are sharp and square. Under magnification or close inspection, a true CU note will exhibit no pinholes, stains, smudges, or paper damage. Notes kept in protective currency holders or certified by third-party grading services can maintain their quality indefinitely and are desirable to both hobbyists and investors looking for preserved examples of modern U.S. currency.
Although the design of the $1 Federal Reserve Note has not changed significantly since 1963, the 1995 note holds a place of interest for collectors due to its placement within a pivotal period of U.S. economic history. The mid-1990s saw the rise of the internet economy, significant financial reforms, and the initial stages of currency redesign for higher denominations—though the $1 bill itself remained unchanged. This stability in design, coupled with technological advancements in production and increased global distribution of U.S. currency, make the 1995 note a representative artifact of the modern dollar’s enduring legacy on the world stage.
The 1995 $1 Federal Reserve Note in Crisp Uncirculated condition offers collectors a blend of timeless design and late-20th-century relevance. Its preservation reflects careful stewardship, and its historical context adds meaningful depth for those interested in U.S. economic policy, monetary evolution, and the legacy of American symbolism. Whether collected as part of a complete series, a Federal Reserve district set, or as a standalone example of contemporary engraving excellence, the 1995 $1 note in CU condition continues to gain recognition as both a practical and beautiful artifact in the expansive world of modern American paper money.