Surprised to see that when I sent them a message, the co-founder and CEO Sally Outlaw (https://joinworthy.com/executive-team/) responded, or at least whoever runs her account for the messaging service they provide:
"Hi. Yes sorry for that confusion. Although we originally were going to charge a 1% early withdrawal fee, we decided against it and have not updated that site as we moved bond sales to worthybonds.com. The terms on that site are correct. 36 months, 5% and no penalty. Thanks for reaching out and let me know if you have any further questions! Thanks for your interest in Worthy!"
"Yes bonds can be turned in anytime. No penalty. You have a choice of buying bonds directly whenever you like or via the round ups or both :-). Currently we are only doing direct bond purchases, the round up function will be launched in the spring."