E*TRADE from Morgan Stanley

Last Updated: 6/20/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

Premium Savings Account: 4.00% APY(Rank 49 out of 74 tracked HYSAs)

Minimum Deposit: $0 | Online Only

National Savings Interest Rate: 0.42% (as of 5/19/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: Arlington, Virginia

Founded: 1982

Affiliation: E*Trade was acquired by Morgan Stanley in 2020. Banking products and services are provided by Morgan Stanley Private Bank, National Association, Member FDIC (NYSE: MS).

Access to Branches: None

BBB Rating: F (Not BBB Accredited. Information provided is for Morgan Stanley.)

App Store Rating: 4.7/5

Google Play Rating: 4.7/5

Website: Visit E*TRADE from Morgan Stanley

Our Take on E*TRADE from Morgan Stanley

Highlights

  • Current APY of 4.00% with no maintenance fees.
  • No minimum deposit or balance requirements.
  • Online-only access provides convenience.
  • High App Store and Google Play ratings of 4.7.

Considerations

  • BBB rating of F and not accredited.
  • No branches available for in-person banking.
  • Direct deposit is not required but could limit some users.
  • APY has not changed in the last 30 days.
Summary: E*TRADE from Morgan Stanley offers a Premium Savings Account with a competitive APY of 4.00%, no maintenance fees, and no minimum deposit requirements. However, it has an F rating from the BBB and lacks branches, which may concern some savers. The account is exclusively online, making it convenient for tech-savvy users. The lack of a direct deposit requirement may also limit access for some potential customers.

Savings Account

Savings Account Offered by E*TRADE from Morgan Stanley

FeaturePremium Savings Account
APY
4.00% (as of 6/20/2025)
APY TrendStable for the last month
Minimum Deposit$0
Minimum Balance for APY$0+
FDIC-insured
Yes
Online OnlyYes
Bundled Account
No
Direct Deposit Required
No
Compound Frequency
Daily
Maintenance Fee$0
EligibilityUnited States

No deposit agreement summary available for this bank.

Calculate Savings for E*TRADE from Morgan Stanley

All calculations are based on APY.

Premium Savings Account (APY: 4.00%)

Deposit Frequency:

Total savings breakdown:

  • Interest earned: $4 (3.85%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $100 (96.15%)

Your total balance

$104.00

Effective APY: 4.00% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

E*TRADE from Morgan Stanley Savings Rates Over Time

Historical APY Insights

MetricPremium Savings Account
Latest APY4.00 %
TrendSideways
Slope (bps/mo)0.0
Rate Changes / Mo0.00
Days Since Last Change127
High (-4 m)4.00 %
Low (-4 m)4.00 %
Draw-down from High0.0 %
Volatility (CV)0.000
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 4 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-4 m)
Highest APY in the last 128 days.
Low (-4 m)
Lowest APY in the last 128 days.
Draw-down from High
How far today sits below the 4-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

Compare E*TRADE from Morgan Stanley's Savings Account

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FeatureE*TRADE from Morgan StanleySelect a bank...
ProductPremium Savings AccountN/A
APY
4.00% (as of 6/20/2025)N/A
Bundled Account
NoN/A
FDIC-insured
YesN/A
Online OnlyYesN/A
Compound Frequency
DailyN/A
Minimum Deposit$0N/A
Minimum Balance for APY$0+N/A
Maintenance Fee$0N/A
Direct Deposit Required
NoN/A