E*TRADE from Morgan Stanley: Savings Accounts & Rates

Savings rates updated: 11/15/2025

Mission statement: Banksparency aims to make E*TRADE from Morgan Stanley's savings accounts transparent and comparable to those of other banks. .

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

We earn a commission if you open an account through some links on this page.

Savings Overview

Premium Savings Account: 3.75% APY(Rank 56 out of 86 tracked HYSAs)

Minimum Deposit: $0 | Online Only

National Savings Interest Rate: 0.4% (as of 10/20/2025)

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

Deposit Insurance: FDIC Cert # 34221

BBB Rating: D- (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 3.75%, unchanged from 30 days ago.
No minimum deposit or balance requirements.
No monthly maintenance fees.
High App Store and Google Play ratings of 4.7.

Considerations

BBB rating is D- and not BBB Accredited.
No physical branches available.
Direct deposit is not required but may limit options.
Online-only account may not suit all users.

Summary: E*TRADE from Morgan Stanley offers a Premium Savings Account with a competitive APY of 3.75%, no minimum deposit, and no maintenance fees. However, it has a D- BBB rating and is not accredited, which may concern some savers. The lack of physical branches and online-only access could be drawbacks for those preferring in-person banking. Overall, the account is appealing for tech-savvy users looking for high yields.

Savings Account: In-Depth View

Savings Account Offered by E*TRADE from Morgan Stanley

Feature	Premium Savings Account
APY	3.75% (as of 11/15/2025)
APY Trend	-0.25% QoQ
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
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for E*TRADE from Morgan Stanley

All calculations are based on APY.

Savings Product:

Premium Savings Account (APY: 3.75%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,465.4 (9.48%)
Total contributions: $13,000 (84.06%)
Initial deposit: $1,000 (6.47%)

Your total balance

$15,465.40

Effective APY: 3.75% (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

Metric	Premium Savings Account
Latest APY	3.75 %
Trend	Sideways
Slope (bps/mo)	-2.8
Rate Changes / Mo	0.11
Days Since Last Change	53
High (-9 m)	4.00 %
Low (-9 m)	3.75 %
Draw-down from High	-6.3 %
Volatility (CV)	0.027

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 9 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 (-9 m): Highest APY in the last 274 days.
Low (-9 m): Lowest APY in the last 274 days.
Draw-down from High: How far today sits below the 9-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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First Foundation Bank - 4.00% APY
Fitness Bank - 4.75% APY
Flagstar Bank - 3.65% APY
FNBO Direct - 3.00% APY
Forbright Bank - 4.00% APY
FVCbank - 3.85% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
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Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 3.90% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% APY
My Banking Direct - 4.02% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.50% APY
Newtek Bank - 4.35% APY
Northeast Bank - 2.50-3.00% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
Peak Bank - 4.20% APY
Pibank - 4.60% APY
PNC - 3.53% APY
Poppy Bank - 4.00% APY
Popular Direct - 4.00% APY
Presidential Bank - 3.75-4.25% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
RBMAX - 3.90% APY
Rising Bank - 3.95% APY
ROGER - 3.87% APY
Salem Five Direct - 3.71% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.30% APY
Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
TD Bank - 0.05-2.75% APY
The State Exchange Bank - 3.96% APY
TIMBR - 4.40% APY
UFB Direct - 3.51-3.71% APY
Upgrade - 3.05% APY
Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Vio Bank - 4.21% APY
Wealthfront - 3.50-4.15% APY
Wells Fargo - 0.05-0.05% APY
Western Alliance Bank - 4.05% APY
Zynlo Bank - 4.20% APY

Feature	E*TRADE from Morgan Stanley	Select a bank...
Product	Premium Savings Account	N/A
APY	3.75% (as of 11/15/2025)	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

Alternatives to E*TRADE from Morgan Stanley

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Newtek Bank

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