Earn an industry-leading

4.35%APY*

Make your savings work harder with a high-yield cash account on Public. Right now, you can earn 4.35% APY*—one of the highest rates in the market.

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*Rate subject to change. HYCA Disclosures

All of the interest.

None of the fees.

  • No fees
  • No subscription
  • No minimum balance requirements
  • No maximum balance limits
  • Unlimited transfers and withdrawals
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Access your cash. Whenever.

Withdrawing from your high-yield cash account is as easy as making a deposit. There are no fees or limits to how often you can access your cash.

Get 20x the standard FDIC coverage3

A standard bank offers up to $250,000 of FDIC insurance coverage. We partner with 20 of them so you can get a combined coverage of up to $5M.

3Source: FDIC.gov

Looking for more ways to generate yield?

Discover more yield-generating assets on Public.
Treasuries

Treasury Accounts

Take advantage of the highest rates on 6-month Treasury bills in over 20 years, and grow your cash with the flexibility of a savings account.
Learn more
Bond

Bonds

Discover the modern way to find, evaluate, and buy corporate, Treasury, and municipal bonds with an investing experience designed this century.
Learn more
Bond Account

Bond Account

Maximize your return with a diversified portfolio of corporate bonds that generate a 6.8% yield.
Bond Account

Have questions? Find answers.

What is better than a high-yield savings account?

A High-Yield Cash Account on Public can outpace most high-yield savings accounts with its industry-leading 4.35% APY.* Plus you get 20x the standard FDIC insurance.

*Rate subject to change. Neither Public Investing nor any of its affiliates is a bank. Learn more.

Is it worth putting money into a high-yield savings account?

When you move your money into a High-Yield Cash Account on Public, you can secure an industry-leading 4.35% APY* with no subscription required.

*Rate subject to change. Neither Public Investing nor any of its affiliates is a bank. Learn more.

Do you pay taxes on a high-yield savings account?

The income you generate from a High-Yield Cash Account is taxed at a federal and state level—just like a traditional savings account.

Neither Public Investing nor any of its affiliates is a bank. Learn more.

Is there a downside to a high-yield savings account?

Beyond its industry-leading 4.35% APY*, a High-Yield Cash Account on Public also has zero fees and 20x the standard FDIC insurance.

*Rate subject to change. Neither Public Investing nor any of its affiliates is a bank. Learn more.

How much will $10,000 make in a high-yield savings account?

A high-yield cash account on Public generates an industry-leading 4.35% APY*. With a $10,000 investment, you could earn $522** over 12 months.

*Rate subject to change. Neither Public Investing nor any of its affiliates is a bank. Learn more.
**This calculation assumes that balance and rate do not change for 12 months. APY is variable and subject to change.

Have additional questions about Stocks on Public?

Our US-based customer experience team has FINRA-licensed specialists standing by to help.

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