Public margin rates
Public charges 5.00% a year on a $100,000 margin loan and 5.15% on $25,000, according to its published schedule. At $100,000 that is 2nd lowest of the 14 brokers we compare.
- On $25,000
- 5.15%$1,288 a year · 1st lowest of 14
- On $100,000
- 5.00%$5,000 a year · 2nd lowest of 14
- On $500,000
- 4.75%$23,750 a year · tied 1st lowest of 10
- Public 'Base rate' (= first-tier rate)
- 5.15%
The full schedule
| Debit balance | Annual rate |
|---|---|
| $0 to $50,000 | 5.150% |
| $50,001 to $100,000 | 5.000% |
| $100,001 to $1,000,000 | 4.750% |
| $1,000,000 to $10,000,000 | 4.500% |
| $10,000,000 to $50,000,000 | 4.450% |
| $50,000,000 and up | 4.200% |
The rate for the tier your balance falls in applies to the whole balance.
Worth knowing
Public does not date its rate table. Its base rate is its first-tier rate, 5.15%.
Source
Public margin rates page: "Up to $50,000 5.15%". Schedule date: not dated by the broker. Checked 2026-10-24. Automated check October 24, 2026: every rate listed here still appears on the broker's page. Rates change without notice; the broker's own disclosure governs.
What will borrowing cost?
Published rates, simple interest