A silver one dollar coin from 1989 is worth only a dollar(face value) because of the limited amout of silver within the dollar. The banks offer to sell me silver dollars from 1974 and up at face value of a dollar. Most time the silver dollar is worth face value of a dollar, unless its before 1969, then those silver dollars a .8+% silver and are worth 15-100 $ depending on condition and rarity.
