Phil Defranco invites you to
earn an industry-leading

4.35%APY*

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1 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.
Tresuries

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.
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App Bonds

Bonds

Discover the modern way to find, evaluate, and buy corporate, Treasury, and municipal bonds with an investing experience designed this century.
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App Royalties

Royalties

Diversify your portfolio with fractional shares of hit songs and enjoy the benefits of an asset class typically uncorrelated with traditional markets.
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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.

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