Bounty
Worth it?

Public.com Public brokerage or IRA bonus: is the 3% match worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$7,500: more than leaving it at 4.15%
With the bonus16.32%
Leave it where it is4.15%

Yearly rate on $250,000 while it's there, bonus included.

The math

Compared with leaving $250k at 4.15%

Bonus
+$7,500
Interest while it's there
4.15% for 3 mo
+$2,558
What it'd earn at home
$250,000 at 4.15% for 3 mo
−$2,558
Extra
+$7,500
Works out to 16.3% a year on that cash, vs 4.15% at home.

Transfer $250,000 in assets from another broker · Bonus paid in 72 monthly installments over 6 years; keep assets to keep receiving payments. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Transfer $250,000 in assets from another broker
  2. 2Bonus paid in 72 monthly installments over 6 years; keep assets to keep receiving payments
Ends
Oct 26, 2026
Where
Nationwide
Pays while it's there
4.15% a year
Monthly fee
None
Cash stays
About 90 days
Bonus paid
Usually within 2160 days of finishing
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the Public.com Public brokerage or IRA bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $250,000 tier adds +$7,500: the $7,500 bonus plus $2,558 interest, minus the $2,558 that cash would have earned in 90 days. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Transfer $250,000 in assets from another broker; bonus paid in 72 monthly installments over 6 years; keep assets to keep receiving payments. Open nationwide.

When does it end?

The offer ends Oct 26, 2026. The terms were last checked Oct 10, 2026.