Worthy Bonds Bonus: Get a Free $10 Bond & Earn 7% APY in 2025
Looking for a smarter way to grow your money in 2025? Trust me, I get it. Traditional savings accounts are offering laughable interest rates while inflation keeps eating away at your hard-earned cash. But here’s what most people don’t know: there’s a better alternative that combines solid returns with flexibility.
Worthy Bonds is offering new users a free $10 bond just for signing up, plus the opportunity to earn additional $10 bonds for each friend you refer. The best part? These bonds earn a fixed 7% APY—significantly outperforming traditional savings accounts without locking up your money.
Let me show you exactly how to take advantage of this opportunity and why it might be perfect for your investment strategy.
What Are Worthy Bonds?
Worthy Bonds is an innovative investment platform that allows everyday investors to fund loans for qualified American small businesses while earning attractive returns. Unlike traditional investments, Worthy Bonds offers:
- A fixed 7% annual return (credited daily)
- No fees or penalties for withdrawals
- SEC registration for added security
- Minimum investment of just $10 per bond
- Asset-backed security through collateralized business loans
- Flexibility to access your money when needed
What makes Worthy Bonds unique is their commitment to community investment. When you purchase bonds, you’re not just growing your own wealth—you’re helping fund American small businesses that drive local economies.
How to Get Your Free $10 Worthy Bond
Getting your free $10 bond is straightforward:
- Sign up for a free Worthy Bonds account using this referral link
- Keep your account active and in good standing for 90 days after the reward’s issuance
- That’s it! Your free $10 bond will be credited to your account
Remember: Your account must remain active for the 90-day period to be eligible to redeem the bond.
How to Earn Additional $10 Bonds Through Referrals
Want to supercharge your earnings? Here’s how to leverage Worthy’s referral program:
- Log into your Worthy Bonds account
- Visit your “Account Settings” section to find your unique referral link
- Share your link with friends, family, and social networks
- Earn a free $10 bond for each person who signs up and purchases their first bond
- Both you and your referral must maintain active accounts in good standing for 90 days
Important note: You can earn up to 50 free bonds ($500 worth) per calendar year through referrals.
The Fine Print: What You Need to Know
Before diving in, here are some important details about the promotion:
For Referrers:
- You must already own at least one purchased Worthy bond when your referral signs up
- Referrals are limited to first-time bond buyers only
- Both you and your referral must maintain active accounts in good standing for 90 days
For New Users:
- You must sign up using a referral link from an existing user
- You’ll need to complete your first bond purchase and maintain your account for 90 days
- The offer is only valid in states where Worthy bonds are available (not currently available in Texas)
General Terms:
- Both referrer and referee must be U.S. citizens or residents (including Puerto Rico)
- You must be at least 18 years old
- This promotion cannot be combined with other offers
- Bond rewards are typically processed within 7 days after qualifying
Why Consider Worthy Bonds in Your Investment Strategy
I’ve spent countless hours researching investment options, and here’s why Worthy Bonds stands out:
- Impressive Fixed Returns: The 7% APY significantly outperforms traditional savings accounts and many other fixed-income investments.
- Accessibility: With just $10 per bond, anyone can start investing without a large initial commitment.
- Flexibility: Unlike CDs or other time-locked investments, you can access your funds anytime without penalties.
- Daily Compounding: Your interest is credited daily, maximizing the power of compound returns.
- Community Impact: Your investment directly supports American small businesses, creating a positive social impact alongside financial returns.
- Diversification Tool: Worthy Bonds can serve as a stable component in a diversified investment portfolio.
How Worthy Bonds Compare to Other Savings Options
Let’s be honest—most savings accounts are offering dismal returns these days. Here’s how Worthy stacks up:
| Investment Option | Average APY | Liquidity | Minimum Investment |
|---|---|---|---|
| Traditional Savings | 0.35% | High | $0 |
| High-Yield Savings | 3-4% | High | $0-$100 |
| 1-Year CD | 4-5% | Low | $500-$1,000 |
| Worthy Bonds | 7% | High | $10 |
The numbers speak for themselves. Worthy offers significantly higher returns while maintaining the flexibility to access your funds when needed.
See How Your Investment Can Grow
Want to visualize the power of 7% APY? Here’s how a modest investment could grow over time:
- $100 initial investment + $50 monthly contribution = $2,036 after 3 years
- $500 initial investment + $100 monthly contribution = $4,522 after 3 years
- $1,000 initial investment + $200 monthly contribution = $9,044 after 3 years
Remember: These calculations include the power of daily compounding interest!
Is Worthy Bonds Right for You?
While the free $10 bond offer is attractive, Worthy Bonds isn’t necessarily for everyone. Consider this opportunity if:
- You’re looking for higher returns than traditional savings accounts
- You want the flexibility to access your money without penalties
- You’re interested in diversifying your investment portfolio
- You value supporting small businesses while earning returns
- You’re comfortable with the specific risks associated with this type of investment
Remember: Worthy is not a bank, and investments in Worthy bonds are not bank deposits or FDIC insured. As with any investment, there is some risk involved.
Bottom Line
The Worthy Bonds promotion offers a compelling opportunity to earn a free $10 bond and potentially more through referrals. While the sign-up bonus itself isn’t massive compared to some other investment offers, the real value lies in the ongoing 7% APY and the flexibility of the investment.
If you’re looking to diversify your portfolio with a fixed-income option that offers attractive returns and supports American small businesses, Worthy Bonds deserves serious consideration.
Ready to start earning 7% APY? Sign up for Worthy Bonds today and claim your free $10 bond!
Frequently Asked Questions
Is Worthy Bonds legitimate?
Yes, Worthy Bonds is a legitimate investment platform registered with the SEC. They’ve been operating since 2016 and have built a solid reputation.
How is Worthy able to offer 7% returns?
Worthy lends the funds from bond sales to small businesses at higher interest rates than what they pay to investors, making a profit on the spread while offering attractive returns to bondholders.
Can I withdraw my money at any time?
Yes, one of the key benefits of Worthy Bonds is that you can redeem your bonds at any time without penalties or fees.
Are my investments with Worthy Bonds safe?
While no investment is completely risk-free, Worthy mitigates risk by securing loans with the borrowers’ assets. However, these investments are not FDIC insured like bank deposits.
How often is interest paid?
Interest is calculated and compounded daily, though you’ll see it reflected in your account value rather than as cash payments.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
By Tony Jay, a seasoned finance blogger and executive editor, who boasts over two decades of experience in the banking sector, with a specialization in online banking and savings strategies. Tony holds a doctoral degree from Tulane University. Edited by John Huynh, who brings more than two decades of experience in finance and investing, including as a senior finance and operations manager at a renowned research institute and degrees in economics and international studies from UC Irvine.
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Worthy Bonds is temporarily not selling any bonds right now because the last batch (III) sold out, and they haven’t gotten approval from SEC to offer IV yet. I am waiting and waiting, as it is taking awhile.
I just had that happen too. Worthy is a little frustrating in that aspect, as in, they happily took all my personal info and bank account info, only to say ‘Oh sorry about that we’re sold out, and we’ve reached the limit on how many bond referrals we can pay so we can’t give you that either.
Happened to me too. I registered in May 2021 and was put on a “waitlist” but who knows. Seems like it might be a data mining operation.
I think the issue is, that they still do not have SEC approval to sell more bonds. So I still have a lot of money with them, I had no trouble withdrawing some money a couple months ago (I regret it because the place that I put it in had fees to get the same nterest), Worthy is still paying interest, and they give us news updates every month or so. But they’re saying they still don’t have that approval to sell more bonds.
I clicked your referral link but you haven’t registered at Worthy yet; you should do that so we both can get our free bond