What are the current interest rates at Bond Community Federal Credit Union?

Current rates for Bond Community Federal Credit Union include: 24-Month CD: 3.29%

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Bond Community Federal Credit Union

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Bond Community Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Bond Community Federal Credit Union's top rates as of October 9, 2026 are 3.29% APY on its 24 Month CD Special, personal loans from 13.00% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Bond Community Federal Credit Union with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.24%. Rates last updated and verified on 10/09/2026.

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.

Overall Health & Safety Grade

C+

Fair Health Score: 78/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

26.24%

Good 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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

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). The Annual Percentage Yield (APY) is accurate as of 07/01/2026 and is subject to change without notice. Penalties may be imposed for early withdrawals, which may reduce earnings. Share Certificate accounts (CDs) are non-negotiable and non-transferable. This promotional rate is available for new money only, defined as funds not currently on deposit at BOND Community Federal Credit Union. Other restrictions may apply. Membership eligibility is required. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.29% APY · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%

Bond Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
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; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%
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; 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 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%

Bond Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicles Loan	-	-	5.49%	36 months
Details Term: 36, 60, 72 or 84 Months. According To Vehicle Value; As Low As; Fxd. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.49% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%
Used Vehicles Loan	-	-	5.99%
Details Term: According To Vehicle Value and Age; As Low As; Fxd. Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 5.99% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%

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 Fxd. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%

Bond Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Gold VISA with Rewards	-	9.90%
Details Fxd. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%
VISA Gold	-	9.90%
Details Non-variable APR; Credit Limit up to $20,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 9.90% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%
Classic VISA with Rewards	-	12.00%
Details Fxd. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 8 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%
Secured Visa	-	12.00%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%
VISA Classic	-	12.00%
Details Non-variable APR; Credit Limit up to $10,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 12.00% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%

Bond Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	13.00%	Up to 36 months
Details Fxd. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.00% APR · checked 8 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.24%

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.

Financial Health History

Bond Community Federal Credit Union’s Texas Ratio fell from 29.81% in Q3 2023 to 26.24% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.8 to 4.1 and its Health Grade from C- to C+. 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.

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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$44M	26.24%	4.1	C+
March 31, 2026	$44M	12.50%	5.0	A
December 31, 2025	$44M	25.59%	4.1	C+
September 30, 2025	$45M	22.36%	4.4	B-
June 30, 2025	$45M	28.61%	3.9	C
March 31, 2025	$48M	27.99%	3.9	C
December 31, 2024	$47M	37.10%	3.2	D
September 30, 2024	$47M	33.49%	3.5	D
June 30, 2024	$48M	45.30%	2.5	F
March 31, 2024	$47M	28.33%	3.9	C
December 31, 2023	$46M	38.32%	3.1	D
September 30, 2023	$47M	29.81%	3.8	C-

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 12

Part-Time Employees 2

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.1 / 5.0 ★

Overall Health & Safety Grade

C+ (78/100)

Texas Ratio

26.24%

Return on Assets (ROA)

-0.8697%

Return on Equity (ROE)

-8.0058%

Non-Performing Loans Ratio (NPL)

3.63%

Total Assets

44,085,017

Total Amount of Shares and Deposits

39,128,515

Total Shares and Deposits < 1 Year

38,149,274

Total Shares and Deposits 1 3 Years

944,035

Total Shares and Deposits > 3 Years

35,206

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,094,434

Total Uninsured Shares and Deposits > $250K (F+J)

1,094,434

Total Insured Shares and Deposits > $250K (item 17 less item K)

38,034,081

Total Interest Expense (Sum of items 6 8)

85,062

Share Certificates

Number of Accounts for Share Drafts

2,174

IRA KEOGH Accounts

124

Number of Accounts for Regular Shares

3,953

All other shares

343

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)

2,436,958

Total Liabilities

39,295,662

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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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.