MonitorBankRates
☰
Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
  1. Home›
  2. Credit Unions›
  3. Bond Community Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Bond Community Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Bond Community Federal Credit Union's 24-Month CD Special rates are at 3.29%. Bond Community Federal Credit Union's Personal Loan Rates are as low as 13.00%. Bond Community Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Bond Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.50%. Rates last updated and verified on 09/21/2026.

Bond Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bond Community Federal Credit Union? Share your experience about Bond Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bond Community Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
12.50%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Bond Community Federal Credit Union
B.O.N.D. Community FCU
433 Moreland Ave NE
Atlanta, GA 30307-1562
https://www.bondcu.com
Member NCUA

Bond Community Federal Credit Union CD Rates

Product Rate APY Term View More
24-Month CD Special - 3.29% 24 Months
Min Deposit $500
Details New Money Only (funds must come from another financial institution)
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%

Bond Community Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (HELOC) 1st Position - - 6.49% 6 years
Details Term: Up To 6 years Draw and Repayment Period. 8 years Repayment after the draw period ends. Total of 168 months; 80% of appraisal value. Owner-occupied primary residence only. All variable APR real estate loans adjust on the three-month anniversary of the loan, and quarterly thereafter. There is a cap of 2% increase per adjustment, a lifetime cap of -0.50% decrease from the initial rate; and a lifetime cap of 6.00% above the initial rate not to exceed 18.00% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%
Home Equity Line of Credit (HELOC) 2nd Position - - 6.99% 6 years
Details Term: Up To 6 years Draw and Repayment Period. 8 years Repayment after the draw period ends. Total of 168 months; 80% of appraisal value less 1st mortgage balance. Owner-occupied primary residence only. All variable APR real estate loans adjust on the three-month anniversary of the loan, and quarterly thereafter. There is a cap of 2% increase per adjustment, a lifetime cap of -0.50% decrease from the initial rate; and a lifetime cap of 6.00% above the initial rate not to exceed 18.00% APR.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%

Bond Community Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicles Loan - - 5.49% 36 months
Details Term: 36, 60, 72 or 84 Months. According To Vehicle Value; Fixed Rate
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%
Used Vehicles Loan - - 5.99%
Details Term: According To Vehicle Value and Age; Fixed Rate
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%

Bond Community Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Motorcycle Loans - 8.50% Up to 36 months
Details Fixed Rate
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%

Bond Community Federal Credit Union Credit Card Rates

Product Rate APR View More
Gold VISA with Rewards - 9.90%
Details Fixed Rate
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%
VISA Gold - 9.90%
Details Non-variable APR; Credit Limit up to $20,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%
Classic VISA with Rewards - 12.00%
Details Fixed Rate
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%
Secured Visa - 12.00%
No additional details.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%
VISA Classic - 12.00%
Details Non-variable APR; Credit Limit up to $10,000
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%

Bond Community Federal Credit Union Personal Loan Rates

Product APR Term View More
Low-Interest Personal Loans 13.00% Up to 36 months
Details Borrow up to $10,000 with quick turnaround times.
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%
Personal Loan 13.00% Up to 36 months
Details Fixed Rate
Last Updated 09/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.50%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Bond Community Federal Credit Union’s Texas Ratio fell from 26.95% in Q2 2023 to 12.50% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.0 to 5.0 and its Health Grade from C to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 15% 2.0★ 31% 3.0★ 46% 4.0★ 61% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 26.95% C Q2 2023 C- Q3 2023 D Q4 2023 C Q1 2024 F Q2 2024 D Q3 2024 D Q4 2024 C Q1 2025 C Q2 2025 B- Q3 2025 C+ Q4 2025 12.50% A Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$44M12.50%5.0A
December 31, 2025$44M25.59%4.1C+
September 30, 2025$45M22.36%4.4B-
June 30, 2025$45M28.61%3.9C
March 31, 2025$48M27.99%3.9C
December 31, 2024$47M37.10%3.2D
September 30, 2024$47M33.49%3.5D
June 30, 2024$48M45.30%2.5F
March 31, 2024$47M28.33%3.9C
December 31, 2023$46M38.32%3.1D
September 30, 2023$47M29.81%3.8C-
June 30, 2023$48M26.95%4.0C
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Bond Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Bond Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bond Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Bond Community Federal Credit Union
Website https://www.bondcu.com
Address 433 Moreland Ave NE, Atlanta, GA 30307-1562
Phone 404-525-0619
Fax 404-577-8529
President William Carmichael
CEO Craig McDonald
Full-Time Employees 11
Part-Time Employees 2
Branch Locations 3
ATM Locations 3
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.50%
Return on Assets (ROA)
-0.4901%
Return on Equity (ROE)
-4.3643%
Non-Performing Loans Ratio (NPL)
1.72%
Total Assets
44,138,501
Total Amount of Shares and Deposits
39,088,769
Total Shares and Deposits < 1 Year
38,305,160
Total Shares and Deposits 1 3 Years
760,955
Total Shares and Deposits > 3 Years
22,654
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
891,591
Total Uninsured Shares and Deposits > $250K (F+J)
891,591
Total Insured Shares and Deposits > $250K (item 17 less item K)
38,197,178
Total Interest Expense (Sum of items 6 8)
29,056
Share Certificates
106
Number of Accounts for Share Drafts
2,204
IRA KEOGH Accounts
124
Number of Accounts for Regular Shares
3,990
All other shares
354
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,666,774
Total Liabilities
39,182,036
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Bond Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/bond-community-federal-credit-union-rates-review-20974">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Bond Community Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Bond Community Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Bond Community Federal Credit Union

How many branches does Bond Community Federal Credit Union operate?

Bond Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Bond Community Federal Credit Union?

Yes, to access services at Bond Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Bond Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bond Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Bond Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Bond Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bondcu.com.

Current Bond Community Federal Credit Union Rates

  • 24-Month CD3.29%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Highway District 9 Credit Union Financial Partners Credit Union NEWARK POLICE Central Virginia Federal Credit Union Stephens County Community Federal Credit Union Jefferson Parish Employees Federal Credit Union University of Nebraska Federal Credit Union Cal-Com Federal Credit Union Schools Federal Credit Union Northern Star Credit Union DELTA REFINING CO EMP LONG BEACH CITY EMPLOYEES Valley Financial Credit Union Freestone Credit Union Bridgeport Police Federal Credit Union COASTHILLS BROWARD HEALTHCARE Alltru Federal Credit Union Pantex Federal Credit Union West Monroe Federal Credit Union Crayola LLC Employees Federal Credit Union