1989-d penny worth?

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Your coin is in nice shape however it would be very hard to try and find a buyer that would pay over face for it.

 

do you think I should keep it?

 

I would. Like I said it is a nice coin and would go nicely in a set.

 

If you want to keep it, be sure to store it in a cool, dry climate. Otherwise, it is likely to turn into just another crappy Zincoln.

Chris