So, I'm at one of the local credit unions on Saturday morning looking for halves and dimes. The teller starts digging through her tray and places some halves on the counter. Amongst the clad crap I spot silver immediately, and it looks like a really old design. The teller puts the clad in one pile and says I can buy those. I ask about the other coin but she's definitely not parting ways with it. Turns out it was an 1836 capped bust half dollar. Apparently some lady had just come in that morning and dropped it off after going through her husband's drawer.
I left the bank with about $4 in clad halves and $100 in dimes. No silver for me.