Whether or not a junior will get a bid depends on your school. Is your recruitment competitive? Are there clear 'top houses?' Generally, upper classmen will not be considered by the top houses unless they have some serious personal connections to the group.
Generally, for IFC-related fraternities, they won't pledge you by yourself early (unless the group really needs to get their numbers up). It may happen some places, but I've never seen it.
While the pledge period length varies, several schools have guidelines that your pledge process can't be more than one semester. Don't quote me on that, though. (So if you got a bid this fall, you'd be a member before Spring Semester, provided you pass all requirements. Pledge periods, generally take anywhere from 6 to 8 weeks.)
Is it worth it? That's up for you to decide.
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