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High-Yield Cash Account

Put your cash to work at 3.75%

  • Recurring deposits

  • No minimums

  • Up to $5M FDIC insurance

Make your cash work harder with Public Reserve subscription. Or earn 3.30% APY with no fees.

Get Started
Rate subject to change. HYCA Disclosures

As of 09/17/2026. Rate may change. HYCA is a brokerage account from Public Investing, member FINRA/SIPC, not a bank. Funds are deposited with partner banks, earn interest, and may be FDIC insured. Learn more. Reserve HYCA rate is the current boosted rate and is subject to change and prorated for the days subscribed to Reserve. Neither Public Investing nor any of its affiliates is a bank. Learn more.

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Earn ~6x the national average
savings account yield.

According to the FDIC, the average US savings account earns just 0.64% APY. Try our calculator to see how much more you could earn on Public.

1.0%

Yield estimates as of 10/01/2026. APYs are variable and subject to change.

Estimates are for illustrative purposes only and are not financial advice. Interest is calculated using monthly compounding based on the APYs shown and assumes deposit amounts remain constant throughout the selected term. Public Reserve estimates account for the $20 monthly subscription fee. Results are rounded and actual earnings may vary.

Get Started
Your deposits after 1 year:
Initial deposited
Total deposited
Public reserve
3.75% APY $20/mo
Total balance
Public core
3.30% APY
Total balance
Avg. National Bank Savings
0.64% APY
Total balance

One platform.
Multiple ways to earn.

Disclosures

$4,000+ in estimated annual value based on full participation in all Public Reserve benefits at their maximum eligible amounts:

  • 4% match on IRA contributions for the full IRS annual limit
  • 1% match on $250,000 in Generated Assets deposits 
  • 0.5% match on $250,000 in combined Direct Index & Treasury Account deposits

All matches require an active Reserve subscription. Generated Assets and Direct Index/Treasury Account matches are paid monthly over 24 months; IRA match is paid monthly over 12 months and subject to a 5-year hold. Actual value varies based on your deposits, contributions, fees, and eligibility. Rates and caps are subject to change. See Reserve terms and Public’s Fee Schedule.

Reserve

Learn more

Core

Get started

High-yield cash account

High-yield cash account

3.75% APY

High-yield cash account

3.3% APY

Fees

Fees

$20

/mo

Fees

None

Minimums

Minimums

None

Minimums

None

FDIC insurance

FDIC insurance

0.5%

Up to $1,250 value

FDIC insurance

None

Additional benefits

Additional benefits

Unlock $4,000+ in annual value with deposit matches across Public.

Additional benefits

None
AI Agents on Public

Agents can manage your cash for you.

Explore more Agent capabilitie

Agent

Active

High Yield Cash interest transfer

At the end of every month, move all of the interested earned in High Yield Cash account to Bond account.

Fund Management

Agent

Active

Automated dividend transfer

At the end of every week, find all dividend payments and move them into High Yield Cash account.

Fund Management

Agent

Active

Automated payday transfer

On the 1st and 15th of every month check bank account balance. If over $20,000, move $5,000 into High Yield Cash Account.

Fund Management

Agent

Active

Account limit alert

Check bank account before any recurring transfers to confirm account has at least $10,000 before initiating transfer.

Fund Management

Agent

Active

Fed interest rate transfer

If the fed raises interest rates, move brokerage cash into my high yield cash account.

Fund Management

Agent

Active

HYCA yield watch

Monitor the HYCA yield percentage, if it rises move $5,000 from my checking into my HYCA account.

Fund Management

Agent

Active

Down payment cash

Free up $50k for a down payment on a house by next month.

Fund Management

Agent

Active

Monthly cash sweep

On the first of every month, roll any left over brokerage cash into my High Yield Cash Account.

Fund Management

Agent

Active

Checking account excess rollover

Every week, check connected bank account balance, if it exceeds $20,000, roll the excess cash into my High Yield Cash Account.

Fund Management

Certain capabilities above are not yet available and may be subject to change at release.  Agent descriptions above are for illustrative purposes only, may not be representative of actual underlying workflows, and are not investment advice or recommendations.

Have questions? Find answers.

Do I need a US bank account in order to invest?

No, a US bank account is not required to invest with Public. However, a valid funding source from a financial institution is required to transfer funds and invest through Open to the Public Investing (“OTTP” or “Public”).

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 a 3.30% APY* with no subscription required.

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

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

Beyond its 3.30% 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.

What is Public Premium?

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Earn 3.75% APY on your cash with no fees or minimums

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Public earns high marks for ease-of-use
and its investment selection.

10K+ reviews
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