B.O.N.D. Community Federal Credit Union

Overview / Commentary
433 Moreland Ave NE
Atlanta, GA 30307

B.O.N.D. Community Federal Credit Union is headquartered in Atlanta and is the 40th largest credit union in the state of Georgia. It is also the 2,495th largest credit union in the nation. It was established in 1972 and as of December of 2022, it had grown to 9 employees and 3,432 members at 2 locations. B.O.N.D. Community Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in select communities in Atlanta and Decatur, Georgia.
See current membership details

Reviews (3)

I Don't Know Why Anyone Goes to a Commercial Bank

I could not be more pleased with my credit union. A 'too-big-to-fail' bank failed me badly when I was right out of college. I was unable to get a credit card or even an account with any of the big banks for several years. Finally, I was able to get the banking services that I need from my community credit union. I have gotten all of the services that I would normally get from a bank, including my checking account, savings account, debit card, and recently business checking, for better terms than at a big bank. I also get a better feeling of trust from my credit union, I know all the tellers and they know me. I've moved three times since I've been banking there and have never had any hassles. Compare to my corporate bank that could never update me from an address I had in the 90s. I feel like a member, rather than a source of stockholder revenue. Finally, excepting those occasions when I have to use an ATM, I pay next to nothing in fees.

B.O.N.D. Community FCU

Dear B.O.N.D. Member,

We at B.O.N.D. Community FCU are sincerely sorry for any misunderstanding, and we are deeply sympathetic for what you and your family went through.  In order to preserve your right to privacy, we feel it would be inappropriate to talk about your particular situation in public; however, we will be more than glad to address your concerns in person, on the phone, through mail or via personal and private email.

We do want to take this opportunity to reassure you that our number one goal is to support Our Neighbors and fulfill the needs of the Community, Our Community, at all times.  That’s the reason we exist. 

At the time a member reports any of their information, account cards, checks, or documents lost or stolen, we always take all the steps necessary to protect their information and their funds, and advise them on what steps to take to further protect them.  In some particular circumstances, we can fully protect a member’s account and their information without having to close their accounts.

Once again, we would like the opportunity to discuss the details of your situation, and want to assure you that our policies and procedures are a reflection of 40+ years of experience in serving and safeguarding our members and supporting the community.

Thank you for your feedback, and we look forward to speaking with you,

B.O.N.D. Community Federal Credit Union
Ph. 404-525-0619
Fax 404-577-8529

Say NO To This Institution

Posted by: |

My anger has somewhat subsided, HOWEVER, any friends who hold accounts at BOND Community Federal Credit Union, I strongly urge you to do your banking elsewhere. I have been a loyal customer for 8 years. After having my entire wallet, purse, etc, taken from me by cowards with guns, I went to close and reopen my account, at the suggestion of a Bond associate. After closing my original account, the bank manager not only asked if I had any pending checks, as if I were trying to pull one over on them, but then informed me that, because there had been no fraudulent claims on my account, opening a new one would cost me an additional $45.00. The bank CEO refused to waive the fee, and when I went to her office to ask why, she very coldly explained, "We just don't do that. These accounts cost us money! They aren't free!" I explained that with everything my family had just been through, and the additional expenses of having everything replaced, I would have expected my "community" bank to be a little more understanding - especially considering I'd been a good-standing account holder not 5 minutes before. Only when I started crying from feeling even more victimized (a reaction I tried VERY hard to squelch), did she say, "Well, we'll split the fee with you then." I explained that it was a bit too late for that, and that I would be certain anyone who listened would know how I'd been treated. She then exclaimed, "Fine! We'll waive the fee!" I informed her she should have done that to begin with, under the circumstances, and that she'd just lost a loyal customer.
I try continually to support small businesses, to give back to the community, and to recognize those who do the same. My faith in that ideology has been shaken - hard. I would like to thank the teller, Mary Rose, who was wonderful and very apologetic.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. B.O.N.D. Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #20974
Year Chartered1972
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD5.02%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$50.4MM$54.5MM
LoansQ4 2022vs Q4 2021$32.3MM$22.4MM
DepositsQ4 2022vs Q4 2021$45.8MM$50.5MM
Equity CapitalQ4 2022vs Q4 2021$4.4MM$4.0MM
Loan Loss AllowanceQ4 2022vs Q4 2021$211.00K$105.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$492.00K$292.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

B.O.N.D. Community Federal Credit Union Savings Account Rates

0.01%$50-Regular Savings Account
0.01%$25-Youth Savings Account
0.01%--Holiday/Vacation Account
0.01%--Escrow Account
0.01%$25-IRA Account

B.O.N.D. Community Federal Credit Union Checking Account Rates

0.05%*$50k*-Share Draft Checking Account
OTHER TIERS: 0.01% $25k - $50k

B.O.N.D. Community Federal Credit Union Locations
Branch Office433 Moreland Ave NEAtlanta, GA 30307-1562
Corporate Office536 North Ave NEAtlanta, GA 30308

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