In today’s market, traditional savings accounts barely keep pace with inflation. But with Public's Bond Account, you can now earn a 5.5%+ Yield*, (note this % changes daily so check back often for current rate. If you see a rate that looks good, grab it before it changes!) all while avoiding the rollercoaster of the stock market. Let’s dive into how it works and why it’s a smart move for your cash stash.

What Is the Bond Account?

The Public Bond Account offers exposure to a diversified mix of ten corporate bonds, targeting a 5.5%+ annualized yield to worst (YTW) as of January 2026. Funds are automatically deployed in equal allocations, making bond investing more accessible.

How the Yield Works

• The 5.5%+ YTW reflects the current average yield across the bond portfolio.
• Your actual yield locks in when you invest, but can fluctuate depending on bond price and holding period.
• Withdrawals are liquid, but if bonds need to be sold early, a small fee may apply.

Who It’s Best For

• Cash-rich investors earning next-to-nothing on savings
• Risk-aware savers seeking better returns than money markets
• Hands-off investors looking for fixed-income without picking bonds

How to Get Started

1. Open a Public account (no fees).
2. Fund it with $1,000 or more to unlock the Bond Account.
3. Navigate to the “Bond Account” tab and invest. Funds are allocated to ten corporate bonds.
4. Receive regular interest payments throughout the year

👉 Open your Bond Account on Public now

Risks & Considerations

• Not FDIC-insured: These are bonds, not bank deposits.
• Market risk: Selling before maturity could result in loss.
• Credit risk: Corporate bonds may default, though the portfolio blends investment-grade and high-yield bonds to balance return and risk.

It's essential to match bond holdings to your financial goals and risk appetite.

Final Take

If you're looking for a higher-yielding, low-maintenance alternative to savings accounts or CDs, the Public Bond Account, currently targeting 5.5%+ yield, offers an appealing blend of yield and simplicity. Backed by a basket of corporate bonds and managed entirely in-app, it’s an easy way to help your cash work a little harder.

PS. They also offer other financial products including:

1) New Accounts Receive a 1% match on all transfers, including brokerage and IRA transfers, 401(k) rollovers, and IRA contributions. (Moving a $500K IRA would net you a bonus $5K for free!)

2) High-Yield Cash Account offering an industry-leading 3.3% APY with no fees or balance requirements. Plus, you get up to $5M FDIC insurance.

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👉 Start earning more on your idle cash, open your Bond Account today

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_{All investing involves the risk of loss, including loss of principal. Past performance does not guarantee future results. This ad is not a recommendation or offer to buy/sell securities or engage in any investment strategy. Investment advisory services for Treasury Accounts are provided by Public Advisors, an SEC-registered investment adviser. Brokerage services for treasuries in a Treasury Account and US-listed securities, options, and bonds in a self-directed brokerage account are offered by Open to the Public Investing, member FINRA & SIPC. Public Advisors and Public Investing are affiliates. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Self-directed Individual Retirement Accounts and Bond Accounts are offered by Public Investing. For more details, see public.com/#disclosures-main.}

_{*A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 6%+ yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 7/17/25. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule.} 

_{Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more.}

_{**Rate as of 1/1/26. APY is variable and subject to change.} 

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