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Earn 4.8% yield*

Get a higher yield than a high-yield savings account with a Treasury Account on Public.**

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As seen in
  • Forbes
  • Fast Company
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  • Wsj

Higher yield than a high-yield savings account**

When you move your cash into a Treasury Account on Public, you will earn the safe, reliable yield of Treasury bills. These short-term securities are issued by the US Treasury and typically pay a higher yield than traditional and high-yield savings accounts.

As compared to the national high yield savings average of 3.43% and national savings average of 0.19%. Source: Time.com/NextAdvisor as of 12/30/22 and Bankrate.com as of 12/7/22.

Get the backing of the US government

Treasury bills are backed by the full faith and credit of the US government, so they’re considered one of the safest investments around.

Get the flexibility of a bank account

Treasury bills are held in custody at The Bank of New York Mellon, and you can access your funds at any time—even before maturity.

Get it all in one place

You can manage your Treasury Account on Public right alongside your stocks, ETFs, crypto, and alternative assets.

Lock your rate
in 3 simple steps

Move your savings

It’s easy to transfer your savings to Public by linking a bank account or making a deposit with your debit card.

Create your Treasury Account

Once you’ve moved your savings, you can purchase and manage your Treasury bills from one account.

Lock in your rate

Treasury bills are a fixed-income asset, which means their rate of return is fixed at the time of purchase.***

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Have additional questions about investing in stocks with Public? Our US-based customer experience team has FINRA-licensed specialists standing by to help.

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FAQ

What are Treasuries?

A Treasury bill (or T-bill) is a short-term debt security issued by the US Treasury with a maturity period ranging from four weeks to one year. T-bills are purchased at a discount rate to their face value, which is paid out in full when the T-bill reaches maturity. For example, a $1,000 T-bill might cost $950 to purchase, generating a $50 return. T-bills generally rise in value and approach par value as the maturity date nears.

How will purchasing Treasuries work on Public?

Treasury bills on Public are provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. As a Public member, you can invest in Treasuries for as little as $100 and track their yield over time directly in the app. Plus, you can manage your investments right alongside your stocks, ETFs, crypto, and alternative assets.

Why should I consider Treasuries for my portfolio?

Treasuries are considered one of the safest types of investments, making them an attractive option for mitigating risk. They also typically offer a higher return than traditional savings and high-yield savings accounts, giving investors an easy way to do more with their cash.

What are the fees for a Treasury Account?

In exchange for the management, trading, and custody of Treasury services, Jiko charges a flat management fee of 5 basis points per month based on the average daily balance of your Treasury account. This amount will be deducted from your Treasury account on a monthly basis. Public receives a portion of that management fee as a referral fee.

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Treasury Accounts are available.

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Free trading refers to $0 commissions for Open to the Public Investing, Inc Financial self-directed individual cash brokerage accounts that trade U.S. listed securities via mobile devices. Relevant SEC & FINRA fees may apply. Please see our Commission and Fee Schedule.

This is not an offer, solicitation of an offer or advice to buy or sell securities, or open a brokerage account in any jurisdiction where Open to the Public Investing, Inc is not registered.

* 26-week T-bill rate (as of 1/3/2023) when held to maturity. Rate shown is gross of fees.
** As compared to the national high-yield savings average of 3.43% (Source: Time.com/NextAdvisor as of 12/30/22).
*** Rate of return dependent on holding asset until maturity.

Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value.

All U.S. treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org.
Banking services provided by Jiko Bank, a division of Mid-Central National Bank.

Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheck, Jiko U.S. Treasuries Risk Disclosures and Jiko Securities Inc. Form CRS.