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Access the lowest margin rates among leading brokerages

Increase your buying power with the lowest range of margin rates among leading US brokerages.*

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Risk of Margin Disclosure

Margin investing increases your level of risk and has the potential to magnify your losses, including loss of more than your initial investment. Please assess your investment objectives and risk tolerance to determine whether margin is appropriate for you. You must repay your margin debt regardless of the underlying value of the securities you purchased. Public Investing can change its maintenance margin requirements at any time without prior notice. If the equity in your margin account falls below the minimum maintenance requirements, you may be required to deposit additional cash or securities. If you are unable to do so, Public Investing may sell some or all of your securities, without prior approval or notice. For more information please see Public Investing's Margin Disclosure Statement, Margin Agreement, and Fee Schedule.

Compare the introductory margin rates from leading US brokerages

Compare the introductory margin rates from leading US brokerages

Public

5.40%

5.40%

Robinhood

Robinhood

5.50%

5.50%

Interactive Brokers lite

Interactive Brokers lite

6.58%

6.58%

Fidelity

Fidelity

12.57%

12.57%

Charles Schwab

Charles Schwab

12.57%

12.57%

Vanguard

Vanguard

12.75%

12.75%

E*TRADE

E*TRADE

13.20%

13.20%

Rates of other brokerages are based on information published on their website as of 9/18/25, are exclusive of promotional offers, and are subject to change. “Introductory rate” refers to the margin rate for the minimum margin balance tier offered by Public or each competitor. “Leading US brokerages” refers to brokerages that are publicly-traded or have significant brand recognition and market share.

Image Margin Amplify

Amplify your investment potential

When you enable margin on Public, you can borrow against your existing holdings to increase your buying power and amplify your potential returns.

  • Icon Up Borrow at some of the industry’s lowest rates.
  • Icon Unlock Access more capital without selling assets.
  • Icon Candles Monitor your margin risk factors in real time.
Margin New Rates

Borrow for less.
Across the board.

Margin Balance

Margin Balance

Interest Rate

Interest Rate
Up to $50,000

Up to $50,000

5.40%

5.40%
$50,001 - $100,000

$50,001 - $100,000

5.25%

5.25%
$100,000 - $1M

$100,000 - $1M

5.00%

5.00%
$1M - $10M

$1M - $10M

4.75%

4.75%
$10M - $50M

$10M - $50M

4.70%

4.70%
$50M+

$50M+

4.45%

4.45%

*See Fee Schedule and margin risk disclosure for additional details.

A more transparent margin experience

Easily check your margin balance

We keep you in the know about how much margin you have available, helping you avoid unexpected surprises and reduce the risk of a margin call.

Know when you’re investing on margin

We’ll alert you when a trade moves you into a margin balance, helping you make informed decisions on every order and avoid unintended borrowing.

Monitor your margin risk factors

From your margin management page, you track your margin status and risk levels with actionable insights to help you stay ahead of potential issues.

Margin Screen

Expand your options trading playbook

Level 3+ options traders with margin investing enabled can access advanced strategies, including credit spreads, butterfly spreads, and iron condors.

Learn more
Options Disclosure

Options trading entails significant risk and is not appropriate for all investors. Review Options Disclosure Document here theocc.com/company-information/documents-and-archives/options-disclosure-document. Review Options Rebate Terms here. There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, among others, as compared with a single option trade. Definitions of options trading strategies can be found in public.com/glossary/options-trading. Iron condor is a multi-leg options strategy consisting of a bull put spread and a bear call spread.

Access our API for
programmatic trading

With the Public API, you can tap into real-time market data and automate your trading—all while earning rebates on your stock and ETF contracts.

Learn more
Options Disclosures

Options trading entails significant risk and is not appropriate for all investors. Review Options Disclosure Document here: theocc.com/company-information/documents-and-archives/options-disclosure-document. Review Options Rebate Terms here: public.com/disclosures/rebate-terms. There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, among others, as compared with a single option trade.

Have questions? Find answers.

What is margin investing?

Margin investing on Public enables you to increase your buying power by leveraging the stocks and bonds in your portfolio as collateral for a loan. When you invest on margin, you can capitalize on market opportunities and acquire more assets than with cash alone, potentially amplifying your gains.

How do margin interest rates work on Public?

When you enable margin investing on Public, we charge an interest rate that varies depending on your margin/debit balance and the upper limit of the Federal Funds Target Range. Rates are calculated using a set formula, which may change over time to reflect market conditions and regulatory updates.

What are the requirements to qualify for margin investing?

To qualify for margin investing on Public, we consider several factors, including your trade history and brokerage account balance. It only takes a few minutes to apply.

How do I get started with margin investing on Public?

If you’re already a Public member, you can apply to start margin investing by navigating to your Settings and Privacy and selecting Margin Account. If you’re new to Public, it only takes a few minutes to begin your account application. You can apply for margin investing once your account is active.

Have additional questions about Stocks on Public?

Our US-based customer experience team has FINRA-licensed specialists standing by to help.

Contact our award-winning team

Enable margin on Public

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