Bank
Public Savings Rates
Public’s best savings rate is 3.75% APY, with its High-Yield Cash Account, with extra requirements. Rates checked October 26, 2026.
How Public’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Public
3.75%APY
- Requires
- Conditions apply
- Minimum
- $0
- Earns on $10,000 a year
- $375
High-Yield Cash Account
Top rate
Service Credit Union
10.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $1,000
2nd-highest rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High-Yield Cash Account
Up to 3.75%APY
Secondary brokerage account with Public Investing where funds are swept into partner bank deposit accounts. No account minimums.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires an active Public Reserve subscription at $20/month. Boosted rate is prorated for days subscribed.Any balance | 3.75% | $375 | Requires an active Public Reserve subscription at $20/month. Boosted rate is prorated for days subscribed. |
| Any balanceCore plan with no subscription fees.Any balance | 3.30% | $330 | Core plan with no subscription fees. |
Sources (2)
All captured Oct 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.