E*TRADE from Morgan Stanley
Last Updated: 4/4/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Premium Savings Account: 4.00% APY(Rank 53 out of 75 HYSAs)
Minimum Deposit: $0 | Online Only
National Savings Interest Rate: 0.41% (as of 3/17/2025)
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
Savings Account
Savings Accounts Offered by E*TRADE from Morgan Stanley
| Feature | Premium Savings Account |
|---|---|
| APY | 4.00% (as of 4/4/2025) |
| APY Trend | Stable |
| 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 |
|---|---|
| Highest APY | 4.00% |
| Lowest APY | 4.00% |
| Latest APY | 4.00% |
| Trend | Stable |
| Volatility | 0.00% |
Compare E*TRADE from Morgan Stanley's Savings Account
- Affirm - 3.85% APY
- All America Bank - 1.50-3.49% APY
- Ally Bank - 3.60% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.70% APY
- Axos Bank - 4.66% APY
- Bank5 Connect - 4.15% APY
- Bank of America - 0.01% APY
- Barclays - 4.15-4.40% APY
- Bask Bank - 4.35% APY
- Betterment - 4.00% APY
- BMO Alto - 3.70% APY
- Bread Savings - 4.40% APY
- BrioDirect - 4.50% APY
- Capital One - 3.70% APY
- Carver Bank - 4.00% APY
- Charles Schwab Bank - 0.15% APY
- Chase Bank - 0.01% APY
- Chime - 2.00-3.75% APY
- CIBC Bank USA - 4.21% APY
- CIT Bank - 0.25-4.10% APY
- Citibank - 3.70% APY
- Citizens Access™ - 3.70% APY
- Colorado Federal Savings Bank - 4.25% APY
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- Customers Bank - 4.23% APY
- Discover Bank - 3.70% APY
- EverBank - 4.30% APY
- Evergreen Bank Group - 4.25% APY
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- FVCbank - 4.55% APY
- High Plains Bank - 0.23-3.82% APY
- Jenius Bank - 4.20% APY
- LendingClub - 3.40-4.40% APY
- Live Oak Bank - 4.20% APY
- Marcus by Goldman Sachs - 3.75% APY
- My Banking Direct - 4.40% APY
- MySavingsDirect - 4.10% APY
- Neighbors Bank - 4.60% APY
- Newtek Bank - 4.45% APY
- OMB Bank - 4.56% APY
- Openbank - 4.40% APY
- Peak Bank - 4.54% APY
- Pibank - 4.60% APY
- PNC - 3.95% APY
- Poppy Bank - 4.50% APY
- Popular Direct - 4.05% APY
- Presidential Bank - 4.00-4.50% APY
- Prime Alliance Bank - 4.15% APY
- Primis Bank - 4.35% APY
- Quontic Bank - 3.85% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.40% APY
- ROGER - 5.00% 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 - 4.00% APY
- TAB Bank - 4.26% APY
- TD Bank - 0.05-3.25% APY
- The State Exchange Bank - 1.90% APY
- TIMBR - 4.55% APY
- UFB Direct - 4.01-4.21% APY
- Upgrade - 4.02% APY
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- Varo Bank - 2.50-5.00% APY
- Western Alliance Bank - 4.25% 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 4/4/2025) | 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 |
E*TRADE from Morgan Stanley vs. Major Banks: Savings Accounts
Click on the items below to view the comparisons
| Feature | E*TRADE from Morgan Stanley | Bank of America |
|---|---|---|
| Premium Savings Account | Advantage Savings | |
| APY | 4.00% APY) (as of 4/4/2025) | 0.01% APY (as of 4/4/2025) |
| Bundled Account | No | No |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | No |
| Compound Frequency | Daily | Monthly |
| Minimum Deposit | $0 | $100 |
| Minimum Balance for APY | $0+ | N/A |
| Maintenance Fee | $0 | $8 |
| Direct Deposit Required | No | No |
| Eligibility | United States | United States |
| Note | N/A | APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc. |
| Feature | E*TRADE from Morgan Stanley | Citibank | |
|---|---|---|---|
| Premium Savings Account | Citi Accelerate Savings | Citi® Savings Account | |
| APY | 4.00% APY) (as of 4/4/2025) | 3.70% APY (as of 4/4/2025) | 0.03% APY |
| Bundled Account | No | No | No |
| FDIC-insured | Yes | Yes | Yes |
| Online Only | Yes | Yes | No |
| Compound Frequency | Daily | Daily | Daily |
| Minimum Deposit | $0 | $0 | $0 |
| Minimum Balance for APY | $0+ | $0.01 | $0.01 |
| Maintenance Fee | $0 | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 |
| Direct Deposit Required | No | No | No |
| Eligibility | United States | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. |
| Note | N/A | N/A | N/A |
| Feature | E*TRADE from Morgan Stanley | Chase Bank |
|---|---|---|
| Premium Savings Account | Chase Savings℠ | |
| APY | 4.00% APY) (as of 4/4/2025) | 0.01% APY (as of 4/4/2025) |
| Bundled Account | No | No |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | No |
| Compound Frequency | Daily | Monthly |
| Minimum Deposit | $0 | $0 |
| Minimum Balance for APY | $0+ | $0 |
| Maintenance Fee | $0 | $5 |
| Direct Deposit Required | No | No |
| Eligibility | United States | United States |
| Note | N/A | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Feature | E*TRADE from Morgan Stanley | Capital One |
|---|---|---|
| Premium Savings Account | 360 Performance Savings | |
| APY | 4.00% APY) (as of 4/4/2025) | 3.70% APY (as of 4/4/2025) |
| Bundled Account | No | No |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | No |
| Compound Frequency | Daily | Daily |
| Minimum Deposit | $0 | $0 |
| Minimum Balance for APY | $0+ | $0 |
| Maintenance Fee | $0 | $0 |
| Direct Deposit Required | No | No |
| Eligibility | United States | United States |
| Note | N/A | N/A |
Alternatives to E*TRADE from Morgan Stanley
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Bank5 Connect
Jumbo Savings: 4.15% APY
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BrioDirect
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Minimum Deposit: $5,000
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CIBC Bank USA
Agility™ High-Interest Savings Account: 4.21% APY
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Banks Offering Bundled Savings & Checking
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Axos Bank
Axos ONE: 4.66% APY
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Chime Savings Account: 3.75% APY
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Fitness Bank
Fitness Elite Checking & Fitness Savings Combo: 5.00% APY
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Fitness Savings Account: 4.55% APY
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OMB Bank
High Interest Savings Account: 1.00% APY
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Presidential Bank
Advantage Savings: 4.50% APY
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Minimum Deposit: $5,000
Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
ROGER
ROGER Savings: 5.00% APY
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Minimum Deposit: $0
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Banks with Branch Access
For a top list, see High-Yield Savings Accounts with In-Person Access
All America Bank
Super Savers MMDA: 3.49% APY
Minimum Deposit: $2,500
Regular Savings: 1.50% APY
Minimum Deposit: $50
Amalgamated Bank
Online Savings: 2.25% APY
Minimum Deposit: $100
Bank of America
Advantage Savings: 0.01% APY
Minimum Deposit: $100
Capital One
360 Performance Savings: 3.70% APY
Minimum Deposit: $0
Charles Schwab Bank
Schwab Bank Investor Savings™: 0.15% APY
Minimum Deposit: $0
Chase Bank
Chase Savings℠: 0.01% APY
Minimum Deposit: $0