Worthy Bonds
$10 fixed-rate bonds open to all, funding property developers via one small issuer
Rates verified September 9, 2026View platformTracked since2026
0 reviews trackedThe Bottom Line
Minimum
$10
Biggest pro
Simplest product in the niche
Biggest con
Single-issuer concentration risk on a small private company
At a glance
Rates verified September 9, 2026- Minimum investment
- $10
- Accreditation
- Not required
- Fees
- None: no purchase, withdrawal, or transfer fees
- Target return
- Fixed 5.5% (Community Bonds, 36-month) and 6.5% APY (Property Bonds), platform-reported, after the 7% promo expired Jan 1, 2026
- Liquidity
- Redeemable anytime; withdrawals over $50,000 can take up to 30 days
- Founded
- 2016
Is it worth it?
~$550 a year on $10,000, if the target holds
A $10,000 stake at the platform-reported 5.5% target would generate roughly $550 a year before fees. Returns are not guaranteed: fees, defaults, and illiquidity reduce this, and platform-reported figures are not audited.
What is Worthy Bonds?
Worthy sells the simplest product in the niche: $10 fixed-rate bonds, open to everyone, redeemable anytime, funding collateralized loans to real-estate developers. The simplicity hides single-issuer concentration risk: the bonds are unsecured obligations of a small private company, with disclosure depth that is thin relative to the yield.
Bonds cost $10 each with no purchase, withdrawal, or transfer fees. Rates are fixed at 5.5% (Community Bonds, 36-month) and 6.5% APY (Property Bonds) after the 7% promotional rate expired January 1, 2026 (platform-reported). Bonds are redeemable anytime, though withdrawals over $50,000 can take up to 30 days.
Founded in 2016 in Florida. Interest has been paid continuously to date, but anytime withdrawal is a promise rather than a legal right at scale, the bonds carry no FDIC or SIPC protection, and the yield premium over T-bills is now modest for the risk.
Pros and cons
Pros
- Simplest product in the niche
- Genuine anytime liquidity so far
- Open to everyone with no accreditation
Cons
- Single-issuer concentration risk on a small private company
- Anytime withdrawal is a promise, not a legal right at scale
- Yield premium over T-bills is now modest for the risk
- No FDIC or SIPC protection; disclosure depth is thin
Key details
$10 bonds with anytime redemptionRound-up auto-investingFlat, known fixed rates (5.5% Community, 6.5% Property Bonds)No purchase, withdrawal, or transfer feesProceeds fund collateralized loans to real-estate developers
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Worthy Bonds FAQ
What is the minimum investment on Worthy?
$10 per bond.
Is accreditation required on Worthy?
No. Worthy bonds are SEC-qualified retail bonds open to all investors.
What are the risks of investing in Worthy bonds?
The bonds are unsecured obligations of a small private issuer with no FDIC or SIPC protection and thin disclosure relative to the yield. Anytime redemption has worked so far but is a promise, not a legal right at scale (withdrawals over $50,000 can take up to 30 days), and the premium over T-bills is now modest for the concentration risk.
Source: worthybonds.com