Well, I can't give you a value, but I can give you my opinion. There's a couple of problems with keeping this note: (1) Condition. While it appears only lightly circulated, the creases & especially the large fold in the middle are killers for value. Paper quality is #1 for collectors. (2) If it were a $1 note, it may be worth keeping since you wouldn't have that much invested in it. But a $20 note in this condition would not appreciate enough to warrant keeping that much cash tied up. And then, you would have to find the exact few people who would want this note, in this condition. Another thing is, it's too "new". My advice is to admire it, take a picture, then spend it. (Note: I am not an active note collector, having only about 40, nothing above $5...so wait until you get other responses.) Also, to get more & better responses, you should have posted this in the "paper money" forum rather than "What's It Worth".
It's on the more valuable side so yes it's worth more. How much more? Not a lot due to the condition.
