E*TRADE from Morgan Stanley
Last Updated: 7/1/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Premium Savings Account: 4.00% APY(Rank 50 out of 76 tracked HYSAs)
National Savings Interest Rate: 0.38% (as of 6/16/2025)
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 is 4.00%, unchanged from 30 days ago.
- No minimum deposit or balance requirement for the Premium Savings Account.
- No maintenance fees for the Premium Savings Account.
- High app and Google Play ratings of 4.7.
Considerations
- BBB rating is F; not accredited by BBB.
- No physical branches available.
- Direct deposit is not required but may limit some account options.
- Online-only banking may not suit all users.
Savings Account
Savings Account Offered by E*TRADE from Morgan Stanley
Feature | Premium Savings Account |
---|---|
APY | 4.00% (as of 7/1/2025) |
APY Trend | Stable for the last month |
Minimum Deposit | $0 |
Minimum Balance for APY | $0+ |
FDIC-insured | Yes |
Online Only | Yes |
Bundled Account | No |
Direct Deposit Required | No |
Compound Frequency | Daily |
Maintenance Fee | $0 |
Eligibility | United States |
No deposit agreement summary available for this bank. |
Calculate Savings for E*TRADE from Morgan Stanley
Premium Savings Account (APY: 4.00%)
Total savings breakdown:
- Interest earned: $4 (3.85%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (96.15%)
Your total balance
$104.00
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
Metric | Premium Savings Account |
---|---|
Latest APY | 4.00 % |
Trend | Sideways |
Slope (bps/mo) | 0.0 |
Rate Changes / Mo | 0.00 |
Days Since Last Change | 132 |
High (-4 m) | 4.00 % |
Low (-4 m) | 4.00 % |
Draw-down from High | 0.0 % |
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 137 days.
- Low (-4 m)
- Lowest APY in the last 137 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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- Bask Bank - 4.20% APY
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- BMO Alto - 3.60% APY
- Bread Savings - 4.30% APY
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- Carver Bank - 4.00% APY
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- Chime - 1.25-3.75% APY
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- CIT Bank - 0.25-4.00% APY
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- Discover Bank - 3.50% APY
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- Jenius Bank - 4.20% APY
- LendingClub - 3.40-4.40% APY
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- Marcus by Goldman Sachs - 3.65% APY
- My Banking Direct - 4.30% APY
- MySavingsDirect - 3.75% APY
- Neighbors Bank - 4.60% APY
- Newtek Bank - 4.35% APY
- OMB Bank - 1.00% APY
- Openbank - 4.30% APY
- Peak Bank - 4.44% APY
- Pibank - 4.60% APY
- PNC - 3.95% APY
- Poppy Bank - 4.25% APY
- Popular Direct - 4.05% APY
- Presidential Bank - 4.00-4.50% APY
- Prime Alliance Bank - 4.05% APY
- Primis Bank - 4.35% APY
- Quontic Bank - 3.75% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.30% APY
- ROGER - 4.65% APY
- Salem Five Direct - 4.01% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.03% APY
- SoFi Bank - 3.80% APY
- Synchrony Bank - 3.80% APY
- TAB Bank - 4.15% APY
- TD Bank - 0.05-3.00% APY
- The State Exchange Bank - 1.90% APY
- TIMBR - 4.40% APY
- UFB Direct - 4.01-4.21% APY
- Upgrade - 4.02% APY
- Valley Direct - 4.20% APY
- Varo Bank - 2.50-5.00% APY
- Western Alliance Bank - 4.30% APY
- Zynlo Bank - 4.35% APY
Feature | E*TRADE from Morgan Stanley | Select a bank... |
---|---|---|
Product | Premium Savings Account | N/A |
APY | 4.00% (as of 7/1/2025) | N/A |
Bundled Account | No | N/A |
FDIC-insured | Yes | N/A |
Online Only | Yes | N/A |
Compound Frequency | Daily | N/A |
Minimum Deposit | $0 | N/A |
Minimum Balance for APY | $0+ | N/A |
Maintenance Fee | $0 | N/A |
Direct Deposit Required | No | N/A |