In this Worthy Bonds review, we’ll take a look at what Worthy bonds are, how you can earn through their platform, and whether investing with them is the right strategy for you. Enjoy!

Are you looking for an easy way to make some guaranteed interest on your money? Worthy Bonds can help.

Offering a fixed 5% return on your money, Worthy Bonds cost just $10 per bond – so it won’t cost you an arm and a leg to get started!

Sound good? Let’s take a closer look at one of our favorite ways to get more out of your money.


Earn 5% with Worthy Bonds – Need a great way to earn an easy 5% on your money? Worthy Bonds offers a fixed 5% interest rate on your money, and you only need $10 to open an account. Get started here.


Worthy Bonds at a Glance

Worthy Logo
  • Get started with just $10
  • Pays a fixed 5% interest
  • Bonds help to fund small businesses
  • 36-month terms
  • You can withdraw your money anytime
  • Brings balance to your portfolio
  • Registered with the SEC
  • No fees or penalties
  • Automatic reinvestment feature

What Are Worthy Bonds?

Worthy Bonds can help put your money to good use. When you buy a Worthy Bond, you earn a fixed 5% return on your money. There are no fees or penalties to worry about. You can buy, sell, transfer, or withdraw your money without paying extra.

Your investment is used to support loans given to growing companies. That’s right – your money goes toward building better communities when you buy bonds from Worthy. Although they are not insured, these loans are fully-secured through the company’s assets, which also helps to minimize risk. (Keep in mind that these are still investments and all investments carry risk.)

Worthy Bonds: How Do They Work?

Using money from investors like you, Worthy loans the money from bond sales to small businesses. These businesses pay interest on the money they borrow, and your funds grow from the interest that accrues.

Worthy returns the money to you and pays 5% interest on your investment. You can use that to buy more bonds or make a withdrawal to put the cash back in your pocket.

Fee-Free Bonds with Worthy

You might wonder how to buy bonds with Worthy. The good news is that buying bonds with Worthy is easy, even if you don’t have extra moolah lying around. Since the bonds cost just $10, it doesn’t take a lot to get going.

Worthy even provides an option to “round-up” your purchases. Think about it: How often do you have an extra $10, $20, or $100 bucks laying around to buy investments? But you’re not likely to miss a few cents here and there. That’s where Worthy can help.

When you open and add money to make your bond purchases, you’ll first connect an account. Simply link a credit or debit card as well, and Worthy will monitor the daily transactions on that account.

When you make a purchase, they’ll round up the purchase to the nearest whole dollar. The spare change goes into your Worthy account. Once it reaches $10, you can use it to purchase your next bond.

Each bond comes in with a 36-month term. If you’re short on cash and need the money now, Worthy lets you redeem the bonds at any time – and you won’t pay a penalty. If you’re a big-time investor with more than $50,000 in bonds, the process could take a few weeks to deposit the funds in your bank account. For everyone else, your money will make it to your bank account with no delay.

Registration and Regulation

Because Worthy isn’t a bank, it isn’t insured by the FDIC. Instead, like most investment companies, they’re registered with the U.S. Securities and Exchange Commission (SEC).

Any bonds you buy with Worthy are SEC-registered bonds that resemble corporate bonds since they don’t trade publicly.


Whenever we’re talking about online savings accounts or investments, a security breach is a obviously a common concern. Worthy keeps your information safe with standard internet security measures like Secure Sockets Layer encryption.

Your Social Security number also undergoes encryption, and Worthy uses automated tools to stop unauthorized access to your account.

Diversify your portfolio with Worthy Bonds – With no fees, extremely low minimum balance requirements, and a fixed 5% return, buying Worthy bonds can be a great way to diversify your investment portfolio. Learn more about Worthy here.

Benefits of Worthy Bonds

  • Good return on investment – It’s can be hard to find decent returns with relatively low risk, but Worthy delivers a fixed 5% interest on the bonds you buy. That rate is better than you’ll find with high-yield savings accounts, which can earn about 2.00-2.50% APY.
  • No fees – Worthy is free for you to use. They make fully-secured loans to businesses, and the profits come from the interest payments made on these loans. This is why they don’t need to charge you any fees or penalties.
  • Can withdraw your money any time – Each bond comes with a 36-month term, but you’re free to withdraw your money at any time without fees or penalties.
  • Low minimum to open account – It’s easy to find an extra $10 to invest, right? That’s all it takes to open an account with Worthy.
  • Puts investing on autopilot – The change from your round-ups will automatically prompt a new bond purchase when the balance reaches $10. And, if you enable Automatic Reinvestments, a new bond will be added to your account when the interest you earn reaches $10, too.

Where Worthy Falls Short

  • Investment limits – Both accredited (those that meet certain income requirements) and non-accredited investors can open a Worthy account. There is no max on accredited investments, but the max for non-accredited individuals is 10% of that person’s annual income or net worth.
  • Investments not insured – Remember, this is an investment not a savings account. Although the bonds are “fully-secured,” that does not make them completely safe. Should economic conditions affect loan repayments, the potential to lose your investment is real.

Who Should Consider Worthy Bonds?

Hands-off investors looking for automation – Not everyone enjoys managing their investments. If that sounds like you, Worthy might be a good fit. Connecting a credit or debit card will automatically round-up your purchases to buy bonds, and reinvesting the interest you earn to buy more bonds is an option, too.

Investors who hate fees – You won’t pay any fees at all with your Worthy account. Even if you need to withdraw your money before the 36-month term is up, there’s no penalty.

Beginning investors who want to get their feet wet – Worthy is an excellent option for beginners. The bonds are only $10 each and you can start by buying just one. As your comfort level grows, investing and earning more money is possible.

Investors who want to diversify their portfolio – Stocks are the go-to investment strategy but there’s power in having a balanced portfolio. If you add bonds, like the ones you can buy through Worthy, it brings diversity so all your eggs aren’t in one basket.

Who Should Avoid Worthy?

Investing is a fantastic way to grow your money, but it can wait if you don’t have any emergency savings built up. Without having accessible cash, you and your family could be in trouble if an unexpected expense pops up. Even $1,000 can help, though aim for setting aside enough to cover your expenses for three to six months to be safe.

Of course, your money is fairly liquid with Worthy. Still, just because you can withdraw your money early without penalty doesn’t mean you should. Short-term investors looking at terms of less than 3 years should consider other options, such as a high-yield savings account or CD.

How to Open a Worthy Account

Getting started with Worthy is easy-peasy. Make sure you have your Social Security number to reference, and your bank’s login information, too.

Here’s how to open a Worthy account:

  1. Use this link to go to the Worthy website to earn 5% on your $10 investment.
  2. You’ll see two options: Log In and Get Started. Select Get Started, then type in your email address and password and agree to their terms and privacy policy.
  3. On the next screen, you’ll enter your personal information.
  4. Now it’s time to connect your bank account to fund your bond purchases. Instant verification is the easiest, though microdeposit verification is an option, too. Keep in mind verifying your account with microdeposit can take two to three business days.

That’s it! After they verify your account, you can deposit funds and start earning 5% on the bonds you buy.

Worthy Review: The Bottom Line

When taking everything into consideration, Worthy is an excellent platform to invest in bonds. With a fixed 5% return, a $10 minimum investment, and no penalties or fees, we think Worthy is an outstanding choice.

Rounding up your purchases and using the leftover cash to fund bonds makes growing your money easy. Plus, your money helps to grow communities by providing competitive loan options for small businesses. What’s not to feel good about?

Worthy Review Pin - picture of seedlings in dirt on stack of coins

So, if  you’re looking for an effortless way to buy bonds, you should definitely consider Worthy.

Are bonds part of your portfolio? Why or why not? Share with us in the comments below!

Earn a Fixed 5% Interest Rate at Worthy – Worthy Bonds help fund fully-secured loans for small businesses while offering you a fixed 5% interest rate. You can even round up your everyday purchases and use your spare change to buy more. It’s an easy way to save and grow your money! Get started with Worthy here.

Worthy Bonds Review
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  • Commissions & Fees
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Worthy Bonds Review

When taking everything into consideration, Worthy is an excellent platform to invest in bonds. With a fixed 5% return, a $10 minimum investment, and no penalties or fees, we think Worthy is an outstanding choice.

Rounding up your purchases and using the leftover cash to fund bonds makes growing your money easy. Plus, your money helps to grow communities by providing competitive loan options for small businesses.