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Public Reserve

Higher yield.
Bigger matches.
One membership.

Unlock $4,000+ in annual value. Only with Reserve.

Coming soon
Reserve Hero V03
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.

Discover how Public Reserve
benefits add up

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.

3.75% APY

High-Yield Cash Account

3.75% APY
on your cash

As a Reserve member, you can put your cash to work at 3.75% APY. That's the highest rate available, anywhere. Plus, there are no fees or minimums.

Disclosures

Current boosted rate 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.

4% MATCH

IRAs

4% annual IRA contribution match

Reserve members get 4x our standard IRA match. That’s additional income for your retirement that doesn't count toward your annual contribution limit.

Disclosures

Public will fund a 4% match on all eligible new contributions, up to the annual IRS contribution limit. The match is funded over 12 months. If Reserve is canceled within 1 year of receiving a match, Public will recoup the difference between the 4% Reserve match and the 1% standard match. Contributions that received a match must remain in your IRA for 5 years. The tax treatment of IRA contributions and withdrawals is subject to meeting certain IRS requirements. See IRS website.

1% MATCH

Generated Assets

1% annual Generated
Assets match

You can earn a 1% annual match on up to $250,000 invested in Generated Assets. That's a $2,500 yearly benefit, exclusively for Reserve members.

Disclosures

Public will fund a 1% match of all amounts deposited into your Generated Assets account, up to $250,000 per calendar year. Match is paid monthly over 24 months. Remaining monthly installments are forfeited if you cancel early. Advisory services for Generated Assets accounts are provided by Public Advisors, which charges an advisory fee.

0.5% MATCH

Direct Index

0.5% additional annual match

Reserve members get a 0.5% annual match on up to $250,000 invested in a Direct Index and/or Treasury Account. That's up to $1,250 every year.

Disclosures

Public will fund a 0.50% match of all amounts deposited into your Direct Index and Treasury accounts, up to $250,000 per calendar year (in total across both accounts). Match paid monthly over 24 months. Remaining monthly installments are forfeited if you cancel early. Advisory services for both accounts are provided by Public Advisors, which charges an advisory fee.

Unlock $4,000+
in annual value

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.

Feature

Best deal

Reserve

$20 monthly

Core

$0

High-yield cash account

High-yield cash account

3.75% APY

Uncapped value

High-yield cash account

3.30% APY

IRA match

IRA match

4%

Up to $300 value

IRA match

1%

Generated Assets match

Generated Assets match

1%

Up to $2,500 value

Generated Assets match

None

Direct Indexing or Treasury Account match

Direct Indexing or Treasury Account match

0.5%

Up to $1,250 value

Direct Indexing or Treasury Account match

None

Customer support

Customer support

Priority

Customer support

Standard
Priority support

Reach our award-winning team. Even faster.

As a Reserve member, you'll get priority customer support to help with everything from transferring accounts to understanding your Reserve features.

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A membership
engineered for growth.

Ready to upgrade to Reserve?

Coming soon
Reserve Hero V03
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.

Have questions? Find Answers.

What is Public Reserve?

Public Reserve is a paid membership from Public that upgrades your account with better rates and bigger matches. For $20 a month, members get a 3.75% APY on cash, a 4% IRA match, a 1% Generated Assets match, and a 0.5% Direct Indexing match, plus priority customer support. Public says these benefits can add up to more than $4,000 in annual value.

How much does Public Reserve cost?

Public Reserve costs $20 per month. The standard Public plan, called Core, is free but comes with lower rates and smaller matches.

What is the difference between Public Reserve and Public Core?

Reserve offers higher value across the board. Reserve members get 3.75% APY on cash compared to 3.30% for Core, a 4% IRA match compared to 1%, a 1% Generated Assets match that Core does not offer at all, a 0.5% Direct Indexing or Treasury Account match that Core does not offer, and priority support instead of standard support.

How does the Reserve IRA match work?

Reserve members earn a 4% match on IRA contributions, up to $300 a year. This match is treated as extra income and does not count against your annual IRA contribution limit.

What is the Generated Assets match in Public Reserve?

Members get a 1% annual match on up to $250,000 invested in Generated Assets. That works out to as much as $2,500 a year, and it is only available to Reserve members.

Who should consider joining Public Reserve?

Reserve is built for active investors who keep a meaningful cash balance, contribute to an IRA, or invest in Generated Assets or Direct Indexing. Members in these categories typically unlock the most value from Reserve’s higher rates and matches.