Public.com
Framework category: yield venue
Brokerage offering stocks, ETFs, Treasuries, corporate bonds, options, and a High-Yield Cash Account.
Primary use
All-in-one brokerage for users who want stocks plus Treasuries plus a single high-yield cash account under one login.
Redundancy role
Yield venue with strong bond and Treasury depth. Pairs with M1 or Ally as a fixed-income complement to equity-heavy robo accounts.
Historical yield range
High-Yield Cash Account APY has historically been quoted around 3.30% (May 2026). Bond account yield varies by purchase and is not a guaranteed platform-level APY. Rates change weekly; verify before deploying.
Integration notes
Regulatory: broker-dealer / investing platform; SIPC member with brokerage and bond accounts covered up to $500,000 including $250,000 cash claims; High-Yield Cash Account uses partner banks and is FDIC-insured up to program limits. Fees: $0 on US-listed stocks/ETFs in regular hours; $2.99 after-hours/OTC for non-Premium; options $0 base with $0.50/contract on index options ($0.35 for Premium); crypto 0.49% to 1.25%.
Watch-outs
Variable cash APY; non-Premium users face fees on OTC, after-hours, crypto, instant withdrawals, and transfers; bond and Treasury yields can change with rates; crypto carries elevated risk; direct-indexing products add complexity.